I have a full set up panniers that I use to get to class everyday. I'm in language class 6 hours a day, so I need to bring my books back and forth, lunch (eating out every day is just too much), a change of clothes, and all the bike essentials. Carrying the whole bike + bags up to my apartment is a decent workout in itself.

I don't mind it, though. On the weekends I get to leave it at home and go supa-fass!!!!!