In tallying up the responses, as near as I can tell, I come up with 12 for panniers/trunks, 11 for backpacks, and 10 for other preferences (like messenger bags, backpacks on rack or in boxes, etc.). Of course, what this tells me as was said by four or so commenters is that I have to figure it out for myself, which is obvious. But this thread has given a lot of great things to consider, solid information, products I never knew existed, and pictures and videos. I thank all who have contributed and who may yet contribute.