I've done a messenger bag and the Banjo Bros commuter backpack, sold them both (the Banjo Bros backpack was much more comfortable than the messenger bag). I have never been a fan of racks and panniers. I finally settled on the Octane +8 by Camelbak which was designed for adventure racing. There is an outside pocket where I store a $10 Bell pump (works better than more expensive pumps in my experience) Park allen wrench set, Pedros Trixie, Bell tube repair kit and a spare tube. On the waist belt there is a pocket on each side for cell phone, Cliff Bar and my wallet. The Camelbak is perfect for me as it holds 70 ounces of water, my work clothes inc dress shoes, has a low prfile and isn't too hot on my back. Planet bike lights work great.