Thanks for the comments, it is always interesting to read different perspectives. It does sound like the rack/trunk combination might be better for the long-term. I like the idea of things going closed in.

I do not tend to go on many supported rides, I am generally out in the country by myself where there isn't anything outside of corn. And trees. Even on supported rides I take my own food - as a diabetic I am very picky about what I eat.

I can always get panniers later on should I need them.

Thanks!