I have the Arkel Commuter:



It's got everything that you've listed. Arkel's Urban line has many similar bags that may be even better suited to your particular needs.

If I have one thing negative to say in regards to my experience with this pannier it's that Arkel's products are expensive. That being said, in this case you really do get what you pay for. I've been using the bag for almost 3 years now, including 2 SW Ontario winter commuting seasons, and the bag has held up beautifully. All of the zippers still work like new and there are no tears nor any appreciable signs of wear. I got the optional rain cover and it's well worth the extra $20, especially when riding in the slop.