I will be buying the bike as a complete. i definitely want to use panniers since i normally carry anywhere from 10-20lbs worth of stuff for my job. I wear a size 45 in cycling shoes. My commute is only 28 miles round trip on paved roads. I use to commute back when i lived in phoenix but always did it on bikes that werent so commuter friendly. So i figured i'd do it right this time and get a bike that was commuter friendly.