I've had a chance to test out a new pannier system for my convertible bags, and I want to share my results. I posted about this a while back here. I'll now use a modified hook & bungee system as the standard setup. The bungee unhooks from one side, and easily tucks into a side strap for use as a backpack. It does require an extra couple seconds to convert the bag, but the pannier setup is very secure, and ideal for commuting, touring, whatever.
As an upgrade (for $25), I'm still offering the Ortleib hook setup. The advantage with these is the brilliant spring loaded clip which secures the bag to your rack with no bottom hook needed. I've heard a lot of concern about the wobble factor of this setup (one of the reasons I developed the new system) but it works very well for commuting purposes, and converts very quickly.
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