I am fortunate to have a grocery store only 3/4 mile from my house. So I walk for groceries. Home Depot and Target are 2 miles. I sometimes ride to them and carry the goods home in a backpack. Small goods. Not 8 foot 2x4s or 4x8 sheets of plywood. I relegate my loaded touring bike and four panniers and handlebar bag to only loaded touring. Not carrying groceries. Even though it would work splendidly for that purpose.