small purse here. My purse was actually a travel bag hubby used going to Italy a few years back for security reasons. Now I use it all the time b/c I haul a bookbag around and don't need a purse complicating all of that. I sling it crossways over my shoulder, out of the way. When I flew earlier this month to Texas, a friend lent me her big purse where I could stash my small purse, a camera, a book, and whatever else would go to act as my purse. then had my carry on luggage, worked like a charm and very easy. The same could work for your panniers, except stuff small purse in pannier. I also use one of those small, easy id,keychain fold things to keep dl in, cc etc. then I can hook my keys to it and wear around my neck. keeping me as hand free as possible. Jenn

p.s. I am making one of those cute Amy Butler pattern Frenchy purses w/ leftover fabric, so I would have my own, big bag purse when I do need it