A pannier, rucksack and shoulder bag all in one – with its new Xcase 3-in-1 cycle bags, online retailer Pearl is launching some particularly good-value contenders in this bag category. With a 25-litre capacity in PVC or 20 litres in TPU, water resistance, a padded laptop compartment and a click-lock system: we’ve taken a look at these outrageously affordable panniers – here’s our review.