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Yea that is plan B, but I have a backpack in almost every size/style depending on my plans (regular dossing about, work clothes/shopping, plane/train travel, bikepacking, bikepacking light, ultra small hydration size, ultralight emergency, etc) and then a bunch of shoulder bags in a similar vein, so I'm loathe to buy another backpack rather than versatile kit to use inside the selection.
Mmm yea. I only recently returned to formal employment, and it's at a bank head office, so the trousers and shirt need to stay clean. Hadn't thought about pannier liners, currently using a podsac stuff sac, since it's water resistant and fairly strong.
Karrimor bag is in the big bikepacking saddlepack, but thinking longterm for waterproof-ness on the commute.