Right pannier: Sleeping bag, stove and cookware, eating utensils, tins of food (if any) or small quantity of rice or lentils, rough weather gear. Sunscreen, soap, toothbrush and toothpaste in the rear pocket of the pannier or packed to keep them separate from the sleeping bag.

Left pannier: Clothing, netbook computer, lock, bandages, spare tubes and fuel canister for the stove in rear pocket of the pannier.

On top of rear rack: Foam mattress pad wrapped in a tarp.

On top of front rack: Tent, spare water bottles if needed.

Under seat: Small bag of tools and tire patches.

On frame: Three water bottles.

Handlebar bag: Wallet, keys, notebook, camera, snack food, matches, swiss army knife, water purification tablets, lip balm, light and rear blinkie for bike.

On handlebar: GPS unit.

The load may be adjusted slightly for better side-to-side balance. If I'm carrying fresh fruit for a snack, that will not go into the panniers. Instead, I'll have it in a small grocery bag and strapped on top of the rear load.