I have a bike like Sky King's and similar to what the OP wants. Can't fault the reasoning - the one problem I had was getting sufficient clearance for fat tires and fenders. I think the various Surly models deal well with that.
No need to take the rack off unless you want to - here's my light tourer at the top of the Paterberg in Belgium, complete with rack and fenders! It handled the cobbles better than I did, but everyone on fancy bikes ignored my greetings and waves!



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