..^.....I've done one credit card tour , but only for 4 nights on the road..Two sag tours and one non- sag tour.. The non sag tour was for a week, so there I had to go smelly one day.. Hate that... My clothes did not dry in time... /. For my credit card tour, I went with a Trunk rack, and two small panniers.. Two changes of bike gear, a jacket and one set of street clothes.. At REI you can buy street shorts and shirts that dry in hours.. Two small panniers gives one enough space for three sets of clothes as long as you choose light weight synthetic street clothes.. For sure, go when the weather is warm , because that means you need carry far less stuff...