Edit: Added this night shot since that is the time of day I typically ride.
My current 'ride' an extremely modified Huffy Rock Creek dual suspension bicycle.
Seat and drink holder from a Huffy Cruiser, custom rack, Huffy Pannier bag, just replaced the pedals with new alloy (cause cracked the OE), and I also have a bag sits on top of the rack to hold a weeks worth of clothing (mostly work clothes as I work out of town a week at a time) - on another note - I bring my bike with me out of town so that I can go where I want when I want after work (company truck with me out of town, but they do check mileage and I'm not getting chewed for running the company truck all over town, I don't bring the truck home FYI).