Bag layout recommendation for Salsa Stormchaser

I just got a beauty of a new-to-me bike – a Salsa Stormchaser gravel bike, with this frameset. I think it has more mounting lugs than all of the other bikes I've ever owned combined!

• 6 on the fork tubes for a pair of "three-pack mounts", eg. this cage and straps: https://www.rei.com/product/175447/salsa-exp-series-anything-cage-hd

• 2 on the top of the top tube for a top tube bag, eg: https://www.rei.com/product/249824/salsa-exp-r-series-trillium-top-tube-bag-small

• 2 high on the downtube for a high-mount bottle cage or frame bag

• 3 more low on the inside of the downtube for a second bottle cage

• 3 on the seat tube for a third bottle cage

• 2 more on the outside of the downtube by the bb for a FOURTH bottle cage

• 2 lugs on the heavy-duty dropouts for a rear rack

• 1 on the back of the seat tube for mounting a fender

That's 21 mounting lugs!

How would you outfit this bike?

It doesn't have rim brake mounts, so I'll have to get a little creative to attach fenders, but it's simple round-profile aluminum tubing and a straight seatpost instead of aero carbon and dropper stuff so it shouldn't be too difficult. It has really crazy-wide, crazy-flared Woodchipper drop bars that I'm looking to swap for something narrower… but still with room for a bar bag.

What else would you affix to these to make a solid commuter that can also be used for bikepacking adventures on the weekends? How many water bottles does one man need? I think I still want panniers for my laptop and a change of clothes. I need a spot for a multitool and pump, a lock, and other essentials. And one or maybe even two water bottles.

The ones on the outside of the downtube are kind of in the muck, but it looks like a good spot to tuck a seldom-used pump/plugs/emergency tube kit.

I've never had anything mounted to my forks before, do people like putting weight up there? Seems like it would be annoying to steer with extra mass there…