Brompton owners

dancing partner wants to buy me a brompton for my birthday (or course ti and raw laquer)

what is a sensible gear ratio to go for on a brompton, am thinking of going for the 6 spd option?

is it worth getting the son hub and lights?

can a rack be fitted at a later stage, and will it take my ortlieb pannier bags?

are there better/lighter mudguards than bromptons own?

is there a shop that can sell me one without the handlebars or seatpost? long term would replace bars and seatpost with titanium but if i can get one with out the steel ones i'd be happy to do it that way

Rear racks really aren't that hard to fit. Yes you have to remove the rear wheel but its really not that bad. I've fitted quite a few. 20 mins tops.
Pointless upgrade though imo. The only bag that they sell (or sold, this is a few years back) to fit it must be removed when you fold it (no quick release). Just get a clip on carradice bagman style saddle bag if the front bag system (which is amazing) isn't enough.
Also 2 speed is all you need.