This is probably like swearing in the church, but I'm going to buy a mountain bike and I'd like to but a luggage rack on it! I need it to attach my pannier when biking to university. It can't be one of those single attachment point beams. My experience is that these are absolutely nothing but useless. With a little weight on it, just a tiny bump will make it go into the wheel. Most mountain bikes I've seen don't have holes to attach a rack at the rear wheel. This can be solved by using a rack like this. However it seems like some of the more expensive ones don't even have the holes to attach it under the seat. I thought this might be possible to solve by creating some kind of attachment system as seen on those beam type of racks. Or maybe there exist a product like this?