The bike is a Jamis Aurora Elite (BB7 disc brakes!) with SKS fenders, Schwalbe Marathon Winter studded tires and a Snosealed Brooks Flyer saddle. I commute 145 miles a week.
I've found that a great coffeemug that seals 100% reliably and fits nicely into a bike cage is the Bubba Hero. I tried over 5 mugs, some much more expensive, and this one works the best and at $12 it is a steal.
Here's the pannier:
It's an MTM drybox that I got at Amazon for $30. I put some reflective tape on it. Note the impact mark (on the bottom reflective stripe) of the woman that hit me hard enough to bend the frame of my old bike, the box was fine.
Basically, you can rig it with a lock but it doesn't lock the top, to solve that I put a bit of metal to extend into the locking handle so that the top locks as well:
Here's how nicely all my tools fit in the top:
Here's the interior, enough to fit my helmet or clothes/lunch for work. I've used some cable u bolts to fasten it to the rack permanently as the traditional pannier clips don't work and it bounces off:
Here's how I keep my saddle from being stolen, the hardware store made me a 2' cable for $4:
Here's the dashboard. From left to right - Crane Suzu brass bell ($15), Planet bike 1/2W light, Megahorn ($22), and Vectra Wireless computer.
Wellgo Campus SPD/platform pedals with the XL powerstraps so my giant winter boots fit:
Aardvark seatcover works great to protect the saddle, I leave it out in downpours and the saddle stays dry:
Here's my helmet, I've attached a Magicshine 900 and a Blackburn Mars 4.0 with velcro straps.
I particularly like how my Take a Look mirror fits onto the helmet headstrap and secures with a loop of Velcro:
For a reflective vest, I use this one for $8. It zips instead of using Velcro and is a mesh that goes nicely over a jacket or jersey.
I use the M1965 military surplus trigger finger mitts and they work great down under 10F.
Thanks to everyone at BF for all these ideas.