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I'm quite pleased and thus surprised even with how my current setup came out.
After alot of trying different things I arrived at using two cheap chinese panniers, with attached QR buckles that originally served to hold the top bag that came with the lot.
As the top bag sucked and soon broke I chose to sew webbing for it. Now I can strap down any bag or item on top.
Weight limits are derived from experimentation in the development proccess, there is no standard or mandatory proceedure and manufacturers probably cover their ass by stating laughable maximum loads. Then again I had many big name panniers pop rivets and the likes.