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-What's the best way to carry stuff like a change of clothes, a 2 liter of Diet Coke, or the like? I won't need a trailer or anything, but I don't want to run out of room, and I don't want to spend an arm & a leg (as much as I loooooove all the classy canvas/leather touring stuff).
If you can store it, a trailer is awfully handy, but it is not something I use daily. A rack is a must. Personally I'd like to have more versatility with my rack. I'd advise you start out with a grocery-bag style pannier, it will be roomy enough for everything, but eventually add on a trunk so you don't always have to take the pannier. A lot can be strapped directly on to the rack with enough bungees, too.