I want to start riding my bike to work but currently don't have a way to carry my things. I don't mind wearing a backpack since it's a short ride, but as the weather gets warmer, the backpack is too hot. I used to use a basket but found my things would bounce around (and sometimes out) if I went over a bumpy road. I do have a rack for a pannier but have never used them before. What's the best type/style to get? There always seems to be too much choice at the stores and I have no idea which is best. I'd have my lunch, wallet and a change of clothes. Thanks!