My commute includes these cobbled climbs (which become descents on the way home)...





...and a section between them that's being allowed to revert to unimproved. It goes from asphalt, to broken pavement, to gravel, to packed dirt with some loose sandy sections, and of course, mud when it's wet.

I use panniers. (And 25mm or 28mm road tires, depending on the bike.)