Agreed, a rack, particularly with rack bag with expandable panniers, is a very convenient thing. But I'm still happier without
Incidentally, the last time "something happened", it was my girlfriend refusing to take the scenic, hilly route home from a bike trip. To convince her, I took her rack, basket, and all her gear (in addition to mine!), and we set off. Definitely more convenient that I *didn't* have a rack on that (rather unusual) occasion...