Panniers.
I can't understand these problems with taking panniers off - but maybe it's the panniers. Mine are simple Altura ones with what I thought was pretty much a standard Rixen & Kaul fixing system - press large button and pull to remove, or simply slide hooks onto rail to fit - either action takes literally two seconds, less than unshouldering a rucksack carried on two shoulders and only the same as unshouldering a single shouldered bag.
Predictable weight balance, no discomfort, greater capacity - panniers make sense.
Richard
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Currently riding an MTB with a split personality - commuting, touring, riding for the sake of riding, on or off road :)