You are competent in your bicycle handling and traffic skills. It is the description of a bicycle rider. There's nothing wrong with being a bicycle rider, I used to be one myself. But now it is time that you bring one more facet of cycling into your life, and that is called utility cycling.
Utility cycling is every bit as fun and rewarding as bike-commuting without any of the hassles.
What's more, it moves you up one level in the cycling hierarchy. You won't be a bicycle rider anymore, you will be a cyclist. It takes a backpack. Get a backpack and use it for utility cycling. No panniers, no fenders, no rack, no lighting systems.