How long of a tour are you planning? I find with anything under a month, one pair of rear panniers plus the top of the rear rack is more than enough space.
.
- Tent, sleeping pad, sleeping bag in one pannier
- Cookware, tools, and other assorted daytime use items in the other pannier
- Clothes, toiletries, electronics, and personal items in the rack top bag.
Keeping your stuff themed in this way means you can take the rack top bag into your tent at night and leave the other two panniers on the bike. Saves a bunch of hassle everyday.
Ortlieb makes a good rack top duffle.