I use an OCR1 as my primary bicycle. It works great as a commuter, errand bike, fun ride and just general get around bike. It will take a rack (I used one of the Topeak ones), although I yanked the rack after I got my Pac Designs bag. The only downside to it is that it won't take full funders without modification, although the clip on EZ Freddy Fenders or whatever they're called work decently. It's a fast, fun bike that's been relatively bullet proof in the 8 months or so that I've been riding it (probably about 1500 miles).

To answer the question of the OP, I thought about getting the second set of brake levers when I bought the bike, but decided to "learn the drops" instead. It's turned out that I absolutely love the drop position; after a few miles of riding on the first day I had my OCR1 I hardly use the hoods or straights at all. I'm definitely the exception in that I ride the vast majority of the time in the drops, but most people ride on the hoods where you still have decent brake control. If you're worried about it though, the second set of levers set you back about $50 at most LBSs.

I do have a second bike, my old Giant Cypress with full fenders, but I only use that for very rainy days (I live in Seattle, and it basically just sprinkles here most of the winter), or when there's a good chance of ice or snow.