My front end setup: Suspension fork with full lockout, front rack and optional panniers.
The Cannondale Headshock fork is the ticket to front suspension with front rack/lowrider capability. Too bad it is 26" only, and for the hardcore, the shock isn't that sophisticated (but easy to rebuild with minimal tools). On dirt and paved roads, I probably ride 90% of the time locked out.
Downside of front suspension is potential failure point and maintenance.
Many people are negative on panniers, but around the mid-Atlantic, I find putting some weight down low and upfront balances the bike out and really helps plowing through rock gardens--the front end has some mass to stay on-line. I prefer to ride my loaded bike through rock gardens than the unloaded bike.