Originally Posted by
ShinyBiker
I removed the stock rack because it sat too low and was basically just good for those bags that sit on top of the rack.
What's the problem with stuff sitting on top of the rack?
I find the best way to carry stuff is to hang bags from the back of the seat rails, anchoring the bottom of large bags to the rack to keep them away from your feet and from swaying. If you need more space then simply layer on more bags, growing the bundle deeper backwards and wider:
It's hard to imagine this approach not giving enough carrying capacity with a 20" wheel (I actually think it's perfect since, unlike the pic above, with a 20" wheel compatible rack the rack supports most of the weight which is easier on the bags). It's only when your wheels are too big that you need things like panniers and other specialized bicycle luggage, but for you I think panniers are a solution in search of a problem.