Assuming one has a rack, which if the discussion involves panniers as an option, I would assume that, one could always put their backpack in a rear basket.


One advantage that has, if you are going to do some shopping after work, you can put stuff in both the backpack which you wear and then in the basket, which is now empty of the backpack.


The only downside that I can see is that you have the weight of the rear basket.