Sounds to me like you're pretty well set up. Keep riding, and see how fast the ride gets better for you.

There are only two things I might suggest. I'm more comfortable with the bike carrying the load than my back. You might want to try getting a rack and panniers at some point. Some place like Nashbar can probably set you up with some inexpensive alternatives; if you like them, come back and ask for name brand upgrades.

Second, if you don't already have a rain jacket, you might want one of those when you end up riding through a shower. Definitely turn your lights on, and many car drivers are blind anyway and only get worse when it rains.