I use a rack and a trunk-bag. The bag sits behind the seat, not under it...so no clearance is needed.
I also have some inexpensive panniers that are one piece...the whole thing drapes over the rack and I can attach my trunk-bag over it (there are holes in the panniers for my trunk-bag's straps to go through and attach to the rack).
I much prefer the trunk bag to a smaller under-seat bag. I'm not concerned with weight though. I ride away from civilization, through a nature preserve, and feel more secure if I have provisions for a myriad of situations.
These are the panniers I have-
http://www.nashbar.com/bikes/Product...7_10000_200350



Reply With Quote