My main folder is a Citizen Miami which is fitted with a seat post rack to which a trunk with integral panniers is attached. It's easier for me to arrive at my destination, fold the frame (my Miami came with a clamping mechanism in lieu of Dahon's magnet solution to keep the front and rear halves together), drop the handlebars and then wheel the bike onto the elevator and into the office. If I intended to carry the bike in, I would have remove the trunk/panniers and schlep them in as well as carry the bike. I opt for the simplicity of the former.