which one to choose?

[Blueberry]

Could you get a folding bike, and take it inside with you? That's probably the safest way to go. Otherwise, I use a mini U around the rear wheel *inside the triangle* (see Sheldon Brown's locking explanation), and separately cable lock the frame and front wheel to the rack. I take all computers, etc. inside with me.

As far as panniers, it depends on whether you will be a fair weather commuter or an all weather commuter. If the former, I really like the plain grocery bag panniers - just dump stuff in and go. If the latter - ortlieb stuff and arkel stuff rocks.

Good luck on the job!!!

Edited to add: Many ebay bikes are stolen too. The key, I think, is to talk to the seller. When I've sold bikes on Craigs, I've been willing to provide at least a copy of the original purchase receipts, and my shop guys can vouch for me...

CA