Never. With my solo seat, my paper work is in one bag. I also keep some bungies, zip ties and a windshirt for cool summer evening/mornings. I ran out and bought a dozen ears of corn last night. No bags, I'm in the car - which I absolutely hate on a nice summer evening. If I can stuff it in my bags, I'm on the bike. But, I drive about 60,000 miles per year in that ****** car and very rarely get to ride to my occasional day at the office, so I don't need much of an excuse to chose the bike.
I've learned to do the regular maintenance with the bags in place, in fact I can't recall the last time I had them off.
