We are pretty loaded right now since we're on the road for so long and we have 4 people on only 3 bikes. so... I have 4 panniers and a trailer. My BOB is filled with my sleeping bag and pillows & clothes for me and the kids, along with other odds and ends. Our bag of winter clothese is strapped on my rear rack. My rear panniers are filled with food and toiletry-type stuff (shampoo, toothpaste, eyeglass cleaner, etc...) Front panniers are Kindles, fanny pack with money and credit cards, and other stuff we need easy access to throughout the day.