I commute in and out of NYC year round and choose between a Tetra or a Serotta Ti.The Tetra usually gets the nod in the warmer months with its racier setup.I use a clip on rear fender when using the Tetra and full SKS fenders mounted with rubber pipe clamps on the Serotta.Neither bike has fender eyelets.The front fender is attached with safety breakaways in case of a stick getting jammed.You may want to use these with the Honjos if you go that route.I also fabricated a mudflap for the front which keeps all the water off my feet.Rivercity Bicycles sell a kit for putting fenders on a bike with no clearance under brakes http://www.rivercitybicycles.com/product_info.php?cPath=130&products_id=613 I can fit Michelin Pro Race2 25's on either bike with just enough clearance on the AlphaQ fork. I personally dont like racks on either of these bikes due to handling issues.I also once lost a bag off the back seatpost rack when I hit some rough pavement.I use a Vaude backpack which has a mesh back that keeps the pack off my back,its good for 10-15lbs.You might want to consider longer chainstays,lower BB,and a more relaxed headtube when designing a bike for fenders and rack.Check out this carbon offering at http://cyclestournesol.com/tlc.htm This bike has some really good ideas behind it.Maybe borrow a few and see what Craig Calfee can come up with.