Rack and fender eyelets on your frame give you the option NOT too use them as well. Dont get a commuter bike without the fittings.
Suspension adds weight and maintenance, and is not needed. Not so long ago, people used to do serius MTB racing without bounce.
Cross-country style MTBs (high quality, lightweight ones designed for racing)can often have quite a low aggressive riding position, quite comparable with a road bike. Look at the difference in height between the saddle and bars.