It's a good suggestion.
two panniers on rear, you could put stuff on top of rack, and some sort of bar bag/roll or whatever. You can also choose from tons of good frame bags, tank bags, etc.
Lots and lots of choices, with lots and lots of price ranges too, but some good stuff at reasonable prices.
I have some topeak bags and are well made, at reasonable prices, but as I'm sure you've seen, there are tons of options out there.
If your gearing is 46/30 and 11-32, I still think your bike is over geared, but you'll see how it is when you start adding weight and hit hills, it might be ok.