On my touring bike, I have 2 forks, the carbon one that I run most of the time if I can get by with rear panniers only and then I have a second steel fork with a Tubus Tara rack attached along with a second brake caliper, in case I want to run 4 panniers when carrying a bunch of stuff. It only take a few minutes to switch between the two. Yes, you have to select an appropriate steel replacement fork but it's not that difficult with a few measurements of your current fork and the new fork should give you those needed dimensions for matching. This works for me, but realize it's not for everyone if you're not accustomed to working on bikes.