My commuter: http://www.davesbikes.com/DelSol03velozts.jpg
I'm not sure of a couple things, which clearly I'll need to identify and know before I start purchasing racks and panniers.
Is this frame/fork even rackable? There appears to be nothing on the fork to indicate that it would be, and on the rear there are two hex screw points on the outside (could be for fenders) and there are two extra holes on the dropouts that apparently could be for racks, but I really don't know.
So, the first question is, how do I tell if this is capable of holding racks?
The second part of this is that I've looked at Nashbar and Performance bike and they've got a few options, but nothing that stands out to me (or makes sense for the cubic space vs. cost).
I'm trying to stay under $100 for the rear rack and panniers (I'll worry about the front afterwards).
Other than that, I guess its time to start looking at professional grade messanger bags if I don't find something that makes me happy.