I have been using Nashbar ATB panniers with a Nashbar rear rack. Things have been fine until today when I was riding and one of them got caught in my spokes. I am 100% they were secured correctly with the hooks, bungie and velcro so I don't know what the problem was. But I have decided to ship them back and invest in something better. Daily I need to transport U Lock, bike tools, spare tube and mini pump. Some days I have to carry a laptop and clothes. Some days I do some grocery shopping. I want one solution to do it all. I was looking at the Topeak trunk bag with the fold up panniers being discussed in another thread. That seems like a good option as the trunk would carry most of my daily needs and I can just deploy the panniers as needed. Is there anything else I should look at in the under $100 range?