Hi clint - you should definitely try and find the time to build one - getting that weight out of the bags makes a big difference. It is a bit of a two for one deal as it get tools out of panniers and then things from your top bag can come down to the pannier bags. Hi jag - yeah it's a pet peeve of mine too. How common is it to see pannier bags mounted high and to the rear of the bike, or bikes with small pannier bags which are too small so extra little bags get strapped on all over the bike up high to compensate? Bigger panniers and no top bag at all is a better solution. Weight distribution can get over looked in the pursuit of weight minimisation, which can be a mistake depending on the type of riding people like to do. For a weekend away with a few kilos of luggage - where it's loaded on the bike isn't really the end of the world, but as soon as you need big loads for 4 or 5 days away of big kilometre riding, distributing that load is absolutely critical.