Look around on the Meijer site, and you should be able to find a $30 rack with pannier frames and a $16 saddlebag type pannier set.

Unhook two quick-release buckles and you can just lift the bags off and carry them like a briefcase.

The only real complaint I have about the panniers is the lack of outboard loops to attach lights, but that was easily fixed with some spare webbing. Lights on the outside corners of panniers really help the bike look wider to drivers.