I found it. I originally wanted something snazzy and well built like a Specialized Work 3 but I was trying to keep the price at or below what I thought I could sell my Surly Steamroller for. I stopped into a local bike shop after a few days of interweb cruising to see what was around. I ended up picking up a 2012 Giant VIA 3 on closeout and it was exactly what I needed. One speed, front and rear fenders, 700c wheels, and rack compatible.
Now the bike was taken care of I needed to outfit it with the rear rack and bags to add the cargo load. I picked up a Topeak Explorer Rack because I knew the Topeak brand made solid, well built racks that could handle slightly heavier loads. I had come across a bicycle bag maker a few months back after accidentally thinking it was a bluegrass band called Banjo Brothers. I liked the look of their bags but never had anything to put them on. One of my main reasons for building this bike was to be able to carry groceries and not have to drive my car just to pick up a 6 pack and some vegetables.
The rack top bag I originally wanted was out of stock, so thankfully I upgraded to the expandable version of the bag I couldn't get. The added side pockets of this rack top bag gives you enough room to carry a few tools, a tube, keys, wallet and a phone. The top of the bag expands up via a separate zipper to accommodate slightly larger loads. This feature is awesome for carrying taller loads such as a 6 pack of beer or a gallon of milk. The whole bag is padded which makes the inside of the bag slightly insulated from the heat/cold. Keeping meat out of the sun on the ride home is important, especially on longer trips. I was able to fit a whole chicken, a pound of sausage and a pack of tasso with plenty of room to spare. This will come in handy for festivals and cruising around town to keep a few beers cold and out of the sun.