Stuff the rules: they are made to be broken. I’ve had a Van Nicholas Yukon for 5 years. Triple chainset, occasional mudguards, occasional pannier rack. I even ride it wearing baggies, and I’ve got bad facial hair. So there.
I love the fact that in 5 years, aside from buying some new, flashier wheels, all I’ve replaced are the brake pads (3 times), the chain (once) and a few sets of tyres.