I find myself pretty well served with a Tubus Cargo rear rack and a Nitto M12 front rack. I am usually carrying a front Acorn bag, but not panniers. When I need to put on the panniers I swap out the Nitto M12 for a modified Jack Taylor rack. I like a front top surface for my Acorn bag and air mattress when I am touring. Another front combination that works on my Salsa Vaya, which has disk brakes and fork mounts for a low rider rack is both a Nitto M18 rack which mounts to the fork crown and low rider mounts and Tubus Tara low rider rack.