Hermitgirl, I carry that amount of food if am doing 100 kms. ride. --except for camp stove.

I ride daily with my pannier. Lights, bungee cords, headband, clear glasses (for night time) lock, money.. For riding around in the city under 65 kms., I don't carry any food since there's enough choice and places to stop to eat. Will carry water in spring-fall for rides longer than 30 kms. if temp. over 80 degree F.

Otherwise I don't carry water for shorter rides and if it's cool. (To me, Vancouver summers feel a touch cool over 75% of the time. Probably being an ex-Ontario resident, I still haven't totally adjusted.)