Pannier in future, not just yet. Never biked to work but while doing my weekend and rare early morning rides before work I use a strap across my chest FOSSIL army green bag. I carry ID, cell phone and my keys. Never bothers or obstructs. I have a rear wheel carrier but have not strapped anything to it yet...too afraid some jackass will try to snatch it and cause me injury. Eventually I'll get one of those velcro bags which attach to the bike some how.