Going against the grain here but I can’t stand racks and panniers on my commute. I do 25 each way 2 or 3 times a week and hate all that dead weight on the bike. Same with guards. I don’t really care about the wet as long as I’m dressed appropriately, ie tights, overshoes and winter boots. I love hitting every commute like its a time trial. Love it!
Same with the defy as well. I had mine for a week before selling it on. It’s just so dull and safe and just neutral. I now use a Planet X team Alu as my commuter/winter bike and its stiff and fast and a delight to ride.
I take clean clothes in the car on a Monday morning and keep a couple of weeks worth at the office.