Hmm, that was alot of questions.
First, congratulations on making a decision (finally!). I don't think you could be disappointed in the bike.
I can only help with the rack question. That I know of there is still no good looking flat rack for the 950SM, which is why I built sme racks for my bike in the first place. There are no more of my design available from me.
A member from over at KTMtalk (520640 over there, not sure if he is here) was selling his 950SM a week or two ago and it had a rack. Maybe you could talk him out of his?
Other than that, have you seen the new side rack/soft saddle bags from the KTM hardparts catalog? I really liked them and ordered a set right away.
07 Yamaha R6
07 KTM 950 Super Enduro
04 KTM 250exc- plated two-stroke
01 Kawasaki KE100
74 Honda MR50