Panniers: underwear and socks in one shoe, rolled up towel in the other. One shoe in each pannier with a steel Starbucks container of strong coffee (not Starbucks) on the bottom one one side and a Coke on the other. Rolled up shorts, jeans, or slacks on top of one, rolled up shirt in the other. Top compartment of one pannier has wallet, wristwatch, house keys, battery packs for taillights, and clean shorts and jersey for the return trip. Top of other pannier has tool kit, spare tubes, hair brush (omitted after annual short haircut), and reading glasses. Handlebar bag: paperback novel, musette containing breakfast and lunch, casquette with bandana and fingerless gloves for the return trip, and battery packs for the headlights.