I put anything remotely valuable in the tank bag and carry that with me when I get off and the rest goes in tail pack/panniers. I don't even put padlocks on the zip. My logic being, if they unzip the panniers (quicker/easier than ripping them off, the way I bungee them down) and look inside, they'll see it's just my tatty old clothes and leave them. Obviously I'm selective about where I park, but I've left unlocked soft luggage on my bike in a busy street several times and no one has ever messed with it (to my knowledge).
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