See this is the problem...I think to myself "well, you never know, I might use the rear rack" and then I read so many forum posts and reviews where people say they NEVER use it (many more than people saying they do). Its not even like I'm going to be wheeling it round much either and will want to make use of the eezywheels or whatever it is.
Also I know that I could buy the L-to-R upgrade pack (comes with the rear rack and replacement mudguards) at a later date. So it could be something I could leave off now and then if I do find myself wishing I had a rack at the back, then I could get one. However I don't think that's such a good idea with the gears....if its even possible to upgrade the gear system at a later date without great expense and the benefit of really knowing what you're doing.
I'll definitely be getting the front bag to go with it...I think, when I've been in the shop before, it was suggested that I should get a C bag
Knowing me...incredibly impatient...I'll base my final purchase decision on whatever is the quickest, within reason of course, I wont buy a lime green S1E just because that's the one in stock at my local shop!!