Bike Anti-Porn - When Things Go Wrong

So why no mudguards and rack? His back's going to wet when it rains, and wet when it's warm as he has to carry everything in a courier bag. There's definitely an element of fashion victim going on if it's really his commuter

maybe like me he uses clip on guards for when it's really wet? and a courier bag as his bike doesn't take panniers? it could be his sunday towpath bike? unless he joins the forum we will never know :-)