I have a hybrid, not a road bike, but I don't use a rack. I use a backpack and load up as much as I can. I do all my grocery shopping and errands by bike, as well as use the bike to go from point A to point B with no problems. Plus, I still do long rides on the bike and training rides.

Road, mountain, hybrid, comfort... doesn't matter- it's just being smart and packing smart that does when you decide to commute by bike. I suggest you take Michel's advice to heart- he is the epitomy of the commuting cyclist and with a family, he commutes by bike and does everything else in between while he's at it!

Also consider your lighting system while you're at it. When winter sets in, it gets dark pretty darn early, and you'll need to have a good lighting system to get you home.

Good luck!

Koffee