That CAAD12 looks great. I do like Cannondales (and Giants, of course).
I used to be a panniers man, and of course try wearing a rucksack on a recumbent trike 😆 , but the Deuter Air EXP I commute with doesn’t really touch my back due to the webbing, carries a laptop and a shirt and generally feels like it’s not there. I have done 70 km training rides to work with it with no issues., including some pretty hard interval sessions.
I also have a MTX beam rack that just snaps onto the seatpost (assuming it’s round, of course), and I have a rack for the Ortlieb QL3 that is so small as to be barely noticeable.
The winter Defy has guards, the Kona fixed has guards, the trike has a rear guard, the race and nice bikes do not. I commute on all of them at various times of the year.