racktime rack + ortlieb panniers (I run downtown + office (L), but I would switch to a pair of Office's if I could).

QL2 or QL3 or an Arkel system is a must if you constantly take off your pannier. I take on/off my panniers 4x/day so Ortlieb or Arkel was a no brainer.

My entire loadout was about $150 (60 for the rack - 20% REI coupon, 50ea for the panniers).

Racktime rack @ REI
Ortlieb panniers @ eBay


I looked into tubus and stuff and I don't see anything that makes a rack worth $150.