Dream Geared bike (spend my money for me...)

Re: integrated pannier: I would seriously consider it if you knew it was for you though. Work bikes have racks properly integrated into the frame, and it looks A1 to me.

I just started to daydream about a horizontal rack fixed somewhere around the bridge/cluster (a bit like those seatpost-only rear racks), with side pieces of rack which attatch on down to some regular eyes, so you could have just a rack top bag if you wanted to lighten up on luggage. All In the same enamel as the frame, natch!

Exactly - fillet-brazed to the stays/dropouts, and the whole lot painted together. My main worry was bending it, as it won't have the rigidity of the other frame tubes and would deform first. But if it was beyond saving, I guess you could just cut if off and patch the paintwork...