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Cool project. #2 and #3 won't work off road. Need to be able to stand up and move around a lot off road (interferes with 3) and mud will stop the front wheel and/or break off the fender (#2). Have a look at Dakar racebikes. They get the aero pretty good (given off road requirements )b/c they have to do fairly high speeds on low HP (450cc limit, so about 55-60hp).
Depending on how much stuff you carry, a soft off road oriented tail bag might be a good substitute for panniers. Something like one of the smaller Giant Loop bags would probably be reasonably aero (in draft of rider's body/legs). A tank bag is also great for extra storage for street riding (gets in the way off road though).
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