The cheapest luggage rack you can buy is Tusk. Same with a top rack. I bolted a cheapy home depot tool box to my top box and yes it can handle a lock. I bought some used tusk Panniers and fortunately I can beat them with a hammer to take care of the dents. If everyone was at least as honest as I am, I would have bought soft luggage. But for my adventures, lockable hard luggage has its place so there's compromise. My panniers, luggage rack, bark busters and engine cage have seen me thru many spills and tip overs. I still don't have any dents on the bike. I would not go on a crazy adventure without all the above, even if you don't hang luggage on it, get a luggage rack for protection.