It wasn't my intention but I found a way to violate both of your rules in one fell and cheap swoop. I blanched at the cost of a well made decently sized bar bag so have been stubbornly using a pack for ages. I was digging through the closet for a bigger pack for a longer ride when I discovered a really old, like 90's Mountainsmith waist pack. Remember those guys? They kind of reinvented waist packs and turned them into day hiking bags. Long story short, I now have a big old waist pack mounted to the front of the bike that holds just about everything I want to carry. The straps fold up behind it so it could serve double duty out in scenic country.