It's me that is not durable, if I had to ride daily on 80psi road tires I'd shake to bits!

Funnily enough I do MTB, and I have a full suspension and a fully rigid frame both offering their own challenges.

It sounds peculiar that some places would have requirements for bells and fenders in order for a bike to be "street legal"; this strikes me as more of a quaint historical holdover than anything else. Some cyclists might be more comfortable with ringing their bell a than raising their voice if they need to urgently signal the attention of another road user, but a requirement for a bell on any bike is mystifying to me. Likewise fenders; cycling on wet roads can cause dirty water to be sprayed onto a vehicle that is driving close behind a cyclist, but people don't tend to cycle on road bikes in wet weather in the first place (unless their bike has been adapted), and people should maintain a safe stopping distance, especially in wet conditions. But the use of lights when cycling at night is a perfectly reasonable legal requirement (more or less universal in my experience), and perfectly effective temporary lights can be easily attached to road bikes if necessary.