Here she is. The red bag is for my clothes. I cut the "fender" out of the lid from a Rubbermaid storage bin to keep the mud and water off my back.

Notice that the only supports are from the axle to the rack and on the seat stays. I'm going to cinch the baskets to the lower part of the seat stay with plastic ties for the ride home. I may try adding another support arm to each side tonight.
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This is the setup I was using:
Notice how high everything is on my rack.
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