I've got a small Oxford Tailpack (one of the 'Humpback ones) that quite neatly unzips to give you a fairly comfortable small rucksack for valuables etc. All it leaves behind on the bike is a secured 'pad'. That's all I'm planning on taking on the Eurotour/Nurburgring run this year. Cripple onna race track - it's gonna be awsome!
If I end up having to take the panniers too (matching set) then I'll leave non essentials in there and simply leave them completely unsecured (other than on to the bike).
That way, chances are that if anything is going to get nicked it'll be by a swift opportunist - and they'll leave you panniers undamaged.
T shirts etc are easy to replace, but damaged panniers are a different matter in the middle of a tour.
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