A trailer might be a better way to go. We have a Burley cargo trailer that carries up to 100 pounds. I think I'd rather pull the weight than have it on a rack and panniers.

(Plus, dh usually pulls the trailer...so BONUS for me!)

Actually, we probably should get another one. We have an emergency preparedness plan and we use our trailer to store supplies in case, for whatever reason, we have to evacuate on our bikes. That alone makes a trailer worthwhile to have, for us anyway.