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If you are doing shopping and carrying 20kg home you'll need something like this attached to the rear of the bike. Here is a Topeak rack and 40l panniers starting at £40. To buy the rack separately would set you back about £20. https://www.ebay.co.uk/itm/126149329980?
A kickstand is a must as you'll be struggling with a full load of 35kg
A kickstand is a must as you'll be struggling with a full load of 35kg