Heavy Mode (Four bags with the pad on top of the rear rack):
Larger by volume because I hate packing origami and forgo compression sacks. Weight is about the same as most folks.
I'm really starting to think about getting a water pump because hauling a gallon of water + bottles up a 5000ft pass to a dry camp stinks.
Medium Mode (Two front with a pad and day pack on top of the rear):
I have never done credit card and don't have the gear for ultra-light.