I have had an OCR2 for two years. It's been great for me. I have had a rack on it and that works fine. I do not have fenders, but there is wheel clearance if you are running 25mm tires and I bet you could jury rig fenders. There little holes at the top and bottom for the rack, but they put little rubber things in them when they sell it. Maybe this has changed in the last couple years.

Mine also came with pedals. This is 50-100 bucks right there.

The only things I did not like that I would changed:
Mine had an adjustable stem, this creaked and obviously once you find where you like the bars you don't adjust it. So I got a new stem.
Also, I hated the stock seat.

Also, if you want a road bike to commute, you can safely ignore the MTB advocates. I have ridden road bikes over gravel roads, potholed streets, up and down curbs. Just get 28mm tires and inflate them to 80-90psi.