Ludwig said:A standard bike for leisure and commuting should come pre-fitted with mudguards, pannier carriers, lights etc. Only the ultra light racing machines should be without mudguards. We see a current trend where newbies and novices ride with with laiden rucksacks on their backs getting soaked to the skin looking like complete plonkers. I want to see some common sense returning to the world of cycling.
It's fairly trivial to factor out the need for panniers from your commuting requirements.