I didn't want to invest too much into panniers or rack bags until I knew quite what I wanted. So I made some of my own out of some briefcase bags I never use.
I use one bag to carry the clothes I change into at work and the other to carry lunch and mid-day workout clothes. One bag stays in the bike shower area, the other comes up w/ me to my office.
Total investment about $15.
Here are some pics.



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