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@brokenbetty
Everyday riding: it's somewhere to put handbag + coat and have them in easy reach
Fully laiden riding: it's extra load area when the rear rack and side baskets are full.
Low riders wouldn't work for me because I never found panniers practical. You have to have them with you all the time just in case you need them, then you have to either remove them when you stop or worry about them being nicked. When you finally do need to use them they are never the right size.
My setup is intended for large items and shopping bags - apart from the racks on the bike I just need to carry a couple of bungies and a cargo net.