I've had that rear rack for a number of years, was on two previous bikes. Only that top-bag goes on it, it's not used for panniers or cargo. It's plenty sturdy, but surely if I was going to put more than ten pounds or so on it I would get one with proper supports back to the axle points. It's pretty slick though, innocuous, out of the way, and has a splash guard in it. I want to add a taillight.
I do like the color much better than the 2020 black. I would have accepted it if that's all they had, but as soon as I saw the '19 photo at the dealer, and he said it was the last one and it had to ship from New York, but he'd give me a killer out the door price, I said SOLD.
I didn't think I wanted to spend that much money on a bike, but now riding it and looking at what else is out there, I might have chosen differently. Overall very happy with it though.
Our last trip out we covered about 25 miles, which is double what we normally do - we're old

- but I was ready for more and had 60% battery capacity left.
And the smartphone app is really cool, like it a lot. I've got it figured out and configured to where it is easy to use and works really well. You do need to have some kind of power source for your phone though as it's a power and resource hog. I've added a small charge-brick in that rear bag and a lightening cable up to the phone mount. A little macgyver'd but it works really well. The ROAM phone mount is really nice - cheap to, they're like $15 or something.
I really didn't think I would like the saddle but it's surprisingly comfortable. The 2020 versions seems a little more extreme, more like a mtb seat.
I got to try my first 'dropper seat' while testing riding emtb's - pretty cool, I had never heard of those. Great for getting to 'attack-stance' on a mountain bike.