I do this on my Tero 5.0 and it has the EQ kit, just like the 4.0. Only change I made (on the EQ stuff) was trimming a few inches off the bottom of the plastic part of the front mud guard - it was catching on curbs and small bumps, but it was really just annoying - didn’t hurt anything. The bike in EQ trim is clunky and it rattles and bangs on every hard bump, lots of gravel runs through the fenders, but it works and is enjoyable.
One thing I don’t do is go charging down steep hills with loose surfaces. It‘s a heavy bike - 60lbs, and I weight an additional 240 and it takes a lot to slow it down - like the difference between a small sedan and a truck. I have no interest in jumping or crashing so I enjoy my speed runs pedaling hard on level tracks and minor down grades. Its a blast and I don’t have to worry about being able to control the bike when encountering some unknown obstacle, sharp turn, or jump around the next bend.
At my age, if I break another collar bone or arm (or worse) my riding season is over. You may still be in the indestructible stage. I also don’t feel like wearing a full face helmet, although I thought about it on a new trail I found a couple days ago. On the rack, it‘s lower than the seat when dropped, so I don’t see it being in the way, even if you do get a little shreddish. It’s also nice to have a place to stash stuff if you are going to be out for a couple hours or more. I use an old camera hip bag which fits the rack and works pretty well.