With the panniers folded up, the space inside the main compartment is a little tight, so DXP with the expanding top adds a lot of capacity. I can usually fit clothes, washcloth, towel and lunch in the main compartment and saddle bag in the rear pocket without using the panniers. Extra clothes, a laptop, or a folded dress shirt will go in the panniers as needed, usually just one side. Shoes and belt stay at work.