I don't have a lap top or one of those well paying IT jobs, either.
if you get a padded sleeve for the laptop computer,
and fill the rest of the bag with clothes I cannot imagine where you can go wrong..

NB they ,Ortlieb, sell a padded back pack adapter that works with their panniers,
but you have that other part to fit.
the same thing goes for the smaller front roller..

I myself have bought a Brompton folding bike they have or have made compatable

A front bag for commuting in several styles , with laptops, this year,
all the way up to the leather briefcase set ..