Originally Posted by albertmoreno

I need to say that using one rear pannier loaded with pretty much what you list here has caused my bike to be unstable. One time I was nearly pulled in by the weight to the curb. Luckily, I was going slow enough that I was able to hit the brakes and use my foot to skid to a rough stop. The second time I was pulled into a thin, deep gap in the concrete and I ate it that time. I don't have that issue with a backpack. +1 for backpacks.