Panniers on the 'mule' and trunkbag on my fg. I've got lockers at work that afford me the luxury of hauling a weeks worth of clothes/food in on Monday on my multi-speed commuter/tourer and bringing the days worn clothing home everyday on my fg. It's equipped w/a seatpost rack and a trunkbag. I keep a pair of work shoes in my locker that I spray w/bacteria killer everyday. Keeps the odor down real well.