Phew, Surly's website doesn't highlight the fact the Big Dummy comes with the racks and bags. That seems like something they should make obvious.
Surly makes a good bike, no doubt, but the Yuba sure has a lot more than just fenders.
I couldn't imagine riding a cargo bike. They weight as much as my ebike without the benefit of a motor.
Love the picture on the surly web site of the bike moving a still