today.......I shall be riding a road bike in Hampshire, and then come back, change, take the Brompton to Wickes, load the rack with 25kg of gravel and ride back home, grateful of the rack and not worried about the mudguards. That's because the Brompton is not really a bike - it's a utility vehicle with pedals.
The rack, being the size and shape it is, is incredibly strong, and the mudguards mean that when I can use it in light rain when I've got a suit on. Now........it may be that I'm very fortunate in having both the Brompton and the road bike, but when I want to ride a bike for the love of riding a bike I don't really need the extra clobber.