I have the Chrome Hipbone. It's not as wide as the reload but it is much longer. The reload is modelled after a messenger bag, the hipbone is modelled after a messenger backpack. The u-lock holder is a pocket so the u-lock is enclosed. However this also means that it pretty much only fits a mini-u-lock.

The bag itself is pretty nice. I don't have a reload or wig, but it looks like the Chrome can hold a lot more. I can fit a topeak mini-morph, patch kit, tube, wrench, multitool, lights and a pen with space to spare (enough extra space for wallet and phone or a camera).

My only complaint is that it hangs too low. It's not a problem while riding, but it makes sitting in a normal chair a little uncomfortable.