Just a trunk bag for me, but it gets pretty stuffed sometimes. I'm thinking of moving up to the trunk bag with the small panniers off the sides. But I never carry groceries......... just my clothes. If I need to carry a lot of stuff, I put the BOB on, but that's overkill most of the time.
annie
Time is a companion that goes with us on a journey. It reminds us to cherish each moment, because it will never come again. What we leave behind is not as important as how we have lived." Captain Jean Luc Picard