http://www.bikeforums.net/showthread...-one-saddlebag

The above link is to a discussion on touring just using a single LARGE saddle bag. This is a minimalist way of touring that seems to use a lot of ultralite camping gear. I may be something that you want to think about, the advantage of this is that it doesn't require racks, panniers or trailers. Some of the posters have gear lists to give you an idea of what you should bring.

I am assuming that since you are unemployed that you want to minimize costs, hopefully this is correct. But if you are independantly wealthy there is a whole other set of suggestions.

Let us know what the LBS thinks.