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With my front rack I use a removable section of cable with bullet plugs at either end. Take it out, reconnect and cable is now a rack length shorter.
For rear I have similar points to break it near the fork crown, but that was mostly due to internal routing meaning I had to use thin wires inside and needed to join them where they emerge.
So you could make a break/join point nice and neat for no rack and add the cable back in when required.
Any neat tricks for excess rear cable?
I'm removing a front rack and previously had the excess rear cable just curled up and taped on a strut. I'm half thinking about stuffing it up inside the fork crown/steerer, is that a thing?
I've neatly taped it under the top tube using a trick someone mentioned on here, the downside is that I can't pull the cable through to trim it now and I rly don't want to buy more of this 3m cable guide stuff.