Road bike here. No need for fenders as I live in the desert and rain is quite the rare sight here (though this was the wettest summer on record in the ABQ), however, I do have a rack and panniers on one of my bikes (the Univega Sportour) for hauling goodies.
As for the kit, I don't wear any real biking clothes -- my bright soccer jerseys and running shorts are about as close as I come.