+1 on the folding Themarests I have one it's a pain in the butt to roll up and stuff sack it but it does save space. Anyway. Solo tent and 40 degree bag on top of the rack. Rack is a wide one Old-Man Mountain Red-Rock. I also have dry-bags for both the tent and sleeping bag so I don't care about rain. I strap the Themarest on the front Salsa rack with the tent poles. I use a strap for each dry bag pulled thru the rack and a bungee cord across the rack.I havn't lost anything as yet. The front panniers get the kitchen stuff plus whatever else. Rears are for clothes as they have built in dry bags inside each and the handlebar bag is for the other stuff I need to get to quickly. Keep the top load as low as possible and make sure it can't move around in case you have to do any out of the saddle time. I actualy saw a guy last year with a Thermarest strapped to the fork!!!