I live in the city and use a Giant MTB for commuting. I didn't want to turn it into a pack mule, so I use an Osprey Radial backpack to haul lunch, extra clothes, tools, lock, etc. I changed out the stock knobbies first for a set of Schwalbe Marathons then settled for the Schwalbe Super Moto which is a 27.5 x 2.4" puncture resistant street tire. The only thing I want to do now is change out the crankset from 40-30-22T to 48-36-26T. Where I live it's relatively flat and I was spinning out on the flat roads at about 18 mph. My one-way trip is only about 5 miles. I'm pretty happy with my setup.