i'd have to vote for the messanger bags too. I use a manhattan portage bag, comparable to timbuk2. They last longer than backpacks because of the lining and are water proof and can carry a larger load. I don't use panniers because in brooklyn, whatever can come off easily with screws will most likely be stolen, so the less on the bike the less to steal. and here in NYC, we need a LARGE chain, so it's uncomfortable to have the chain around your shoulders or waist and have a backpack. oh...and panniers do look geeky...sorry for being superficial, but can't help it...