Originally Posted by
wolfchild
The lesson here is that, you should never ever carry important personal items on a bike inside panniers....I always carry personal items like a cell phone, wallet, house keys, car keys, credit cards etc on person inside my pockets and never on a bike. All other items such as: extra clothing, bike repair kit, food etc I carry inside my backpack. I only use panniers for doing grocery shopping and not for carrying important personal items.
I disagree. Human ingenuity is limitless for mistakes. If I took the precautions you recommend, I could still lose thousands of dollars of stuff one way or another.