Originally Posted by
Lazyass
What would the rack in the bike picture be useful for? Just commuting or something?
You can mount panniers on the rack pictured. Low-riders are a-thing and
may-be-better in a science-laboratory but after a minute of riding with either, low or high mount, you'll be fine.
BTW: I've toured with both.
Here's my rig with front only high-mounted:
addendum: the OP should look at specified weight limits for any rack that he intends to use