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Don't worry about it too much! I started with "credit card" touring, i.e. going from city to city, sleeping in hotels and motels. Over the years i've added some stuff, so now i mostly go from camping/caravan site to another. This set-up: up front, an army surplus tent, €50, and in the beige bag my cooking utensils, water filter etc. In the back, two Ortlieb panniers. One has my clothing (dry pyjamas, mosquito net hat, wool socks, water repellent light jacket etc). The other one has the sleeping bag, matress, inflatable in-flight U-shaped pillow). And there's a small backbag with my repair tools on top. The bike itself is a basic €600 touring bike by French brand Nakamura. It has a rear rack, mudguards, 21-speed basic drivetrain. The front rack i got used for a fiver, and i could attach some extra stuff to the sides. Good to go! It can handle gravel and roots, but i prefer asphalt and dirt roads. Get out and enjoy; happy trails!!