I do credit card touring (e.g., no camping equipment or cooking gear), and so far, have always managed to fit all my stuff in two rear panniers and a backpack (which I strap to the top of the rear rack). I keep my wallet, passport, cell phone, etc. in a fanny pack. My tools are in a wedge pack under the seat. My luggage weighs 18 to 28 lbs. (8 - 13 kg).