Keep in mind too, if you plan on pulling a trailer, or adding racks, or both, that disc brakes can add complexity to how the connect...especially if you plan on adding both.
For mine, I knew it had rack bolt-holes when I bought it online, because I wanted to put the racks on, but hadn't considered the extra clearance required by the disc brakes. I was able to rig the racks by using longer bolts with a bunch of nuts as spacers to make the legs of the rack stand out further from the frame to stay clear of the brake arm. At that time, I didn't expect to ever get a trailer.
THEN I bought the trailer, and found out that I didn't have room to hook it up with the rack in this configuration. It took me a bit of thinking, but finally was able to connect the racks in a very non-standard way, using different bolts, faucet washers, regular washers, through some cut-outs in the frame just in front of the brake caliper mounts, and far enough away from the Bob's QR Hitch skewers that I can hitch and unhitch it without having to unbolt the rack first.
I was nervous about it at first because the bolts are only supported by the holes through the faucet washers, but it's really cranked-down, so the faucet washers which are flexible and slightly larger than the space they're in, are compressed between the two regular metal washers this all keeps them centered and hopefully keeps the steel bolt away from the aluminum structural-fins that they pass through the center of, because they would saw through them eventually from vibrating against them. In fact, I'll be changing the shifter cable soon, so I'll inspect it then to be sure it's working the way I hope it is. For now though, I don't feel any movement to it at all and in fact, it feels so good that I forgot that I wanted to be careful with it, and I've bunny-hopped some curbs at high speed with loaded bags (though I don't by any means intend to present an image of some extreme cyclist, effortlessly doing aerial cycling acrobatics. No, this was more like a stampeding elephant hurdling a stick on the ground LOL)
Also keep in mind that you shouldn't mix steel with aluminum if you can help it... One will give up electrons to the other (I don't recall which direction it goes). The end result is that one will weld to the other in the short term, and in the long-term one will actually weaken the other. In construction they make special coated steel nails to use. I had forgotten about this issue of mixing aluminum with steel, but was reminded when I took the bolts off to rearrange the rack for the hitch, and had to break the slight beginnings of a weld to get the bolts off.
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