When I put a plastic bag of stuff into my panniers, I usually tie the
handles to the panniers, so that it won't bounce out when I hit a
bump, or spill if I fall. If I want the stuff to stay put and not
jiggle, I put both handles through the same hole in the wire panniers,
pull until the stuff is snug and non-shifting, then tie the handles
through a different hole.
Panniers can be piled up without losing stuff if the stuff can't
jiggle.
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