I've been looking into the various things I'm going to need to obtain to begin commuting, and I'm wondering about how to carry work clothes and also keep the bike properly lit, as my morning commute occurs before sunrise for most of the year. It seems that a rear cargo rack and bag (I was just looking at the Delta Post Haste rack at Nashbar) would block any rear lights and reflectors mounted on the seat post. The description describes the use of "reflective piping", which would lead one to believe that it's intended to help with riding in the dark, but if it blocks the regular lighting equipment, that's not going to work. Are panniers the only real option?
Also, if anyone has suggestions on good bags or lights, that would be appreciated.