I buy most of my camping gear from REI. You get 10% back and they stand behind their stuff 100%.
Panniers and racks I usually research on line and then buy wherever it's cheapest. I found some amazing deals on Ortlieb panniers and Tubus racks in Germany; because they can't charge VAT (like sales tax) for shipments to the US, they were astonishingly inexpensive.
My bike I bought used, but I have it serviced at my LBS.
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