Welcome megam.
Have you looked at ebay for a used bike and panniers? That's where I bought my latest addition to my bike collection.
How about the For Sale forum farther down the BikeForums main page?
Good luck.
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The Lord is merciful and gracious, slow to anger and abounding in steadfast love. - Psalm 103:8
I am a cyclist. I am not the fastest or the fittest. But I will get to where I'm going with a smile on my face.