Anyone holding any of these they aren't using?
I'm undecided about panniers or a trunk bag. I don't really need a pair of panniers, I'd buy a single waterproof one if it was large enough for a lunch/change of clothes.
I also want a small frame/seat bag that can hold a spare tube, patch kit, wallet, cell phone, keys, etc... on shorter rides when I don't need or want my pannier or trunk bag.

