Reading over this thread has really enlightened me to how different i am from most cyclists when it comes to this kind of topic. I pretty much never go anywhere without my backpack (even if its empty), and i doubt that will ever change.... Only thing i plan for new bike is a rectangle milk crate on rear rack. I really prefer carrying things, and in my case there is nowhere to put anything for "when i get there", as i do not have an office in the traditional sense. That said.... it is fascinating how many options are out there, especially if you have the money...

- Andy