I am quite set on the front rack + handlebar bag approach. Today I discovered the Ostrich F-106 was not the same as the humongous F-702, both with nice compression straps, as well as the super spiffy Zugster bags, and the intriguing but quite dear Docena, which seems to be a great blend of modern material and retro aesthetic. Docena Demi-Porteur Bag Presale | Ocean Air Cycles . But yeah, the price.