Rear rack, and my chain to lock it.. don't need panniers. I know there are disadvantages. But I'm sure it'll fold enough with a basic rear rack.. I really don't travel with much.. alcohol stove, isopropyl, gauze and wraps, sleeping bag, one change of clothing, bibs and jacket, compass, road map, head lamp, knife, lighters, twine, one change of spare batteries, a bit of food and water, kiddie tent, aint much else, all that is wrapped in a tarp with lashing straps, and some is in a bookbag. I know I'll have to undo the tarp roll when I fold it, I just lash the roll to the bookbag and lug that.
Yeah it's not the most simple, but I like the freedom of movement the bike offers when it's not chained up or loaded in a trunk. I mean I have done this for a short while before, with a bike that didn't fold.. I can only imagine folding it would make it even easier.