I now have a Chrome Metropolis bag, and I'm finding it a little small sometimes [not deep enough] and sometimes things poke me in the back. I also like the features of Pac like the 3rd layer inside, u lock holder, tube holder, X-strap, and such. Do you think I should spend around $500 [what it will cost me with ALL the extra features, plus taxes and shipping] to get it? I am totally car free.