So, I'm looking for a BIG front rack bag, something that will hold my lunch, my work clothes and all of my daily needs stuff like cell phone, wallet, Mp3 player, etc...

I like front bags that sit on the front rack not just hang from the handlebar. Also, cost is a factor. The Berthoud bags would be choice #1 if I was a millionaire, but those things are uber expensive. So, give me something more affordable. I've seen the Ostrich bags, as well, that Alex Wetmore reviewed and they look just ok, but there are some issues with them. Anyways, recommend away!