I have front and rear panniers and have a Surly front rack similar to the Jandd posted above. I use the front rack to carry a small insulated lunch bag. The bag provided less insulation than I expected on a tour in June although I really did like it to keep food in. The bungee across the top tended to squish the contents. I won't take the lunch bag on my next tour but would like to find some kind of a container to put there.