I carry my work clothes(business casual) with me every day in a pannier. I roll my pants usually a type of polyester neatly and underwear, and a nice sweater. I leave my shoes at work and also I can shower so I bring a towel everyday. I leave my shower stuff in a locker so I am all set with that. I also bring my breakfast and lunch everyday so I have another pannier for that. I may be loaded with my stuff but I always have what I want.