I have an old racing frame that I cash/credit card toured on with no problems. I never used any racks or fenders either. But there is fenders on the market for racing bikes. All I used was my seat bag to carry tools and spare stuff (ask if your wondering what stuff); and a large handlebar bag for a jacket, set of jersey and shorts, food etc. The bike already had two water bottle brackets so I bought a clamp on Minoura BH95X bracket that I can mount to the handlebar for a third bottle:
http://www.minourausa.com/english/accessory-e.html#.
Now I have a touring bike to do loaded touring with, but credit card touring is a blast.