Good points all around. Yeah, I was thinking in terms of a backpack and using pockets to organize things. I was surprised to find so many options in my price range with good reviews. I suppose that's when I started thinking too hard about which one to choose. The only bags I've actually found in stock locally have been the Axiom Seymour and Appalachian, both of which I liked. I'll stop into one of those stores again tomorrow to have another look.

I don't see myself sewing my own panniers anytime soon (although I have made my own little stuff sacks in the past) , so I do appreciate the comments and opinions on the bags I'm thinking of buying.

Thanks!