Panniers are on the wish list. I've had hard bags on my motorcycles, and got spoiled by being able to carry so much stuff in them. But I'm wondering how to do this for one day here, and manage to work up a sweat just walking downstairs to get to the bicycle. I can shower when I get to my girlfriends house and finish my commute, but I can't wash the shirt and have it look good if I wear it over there.