My first reaction was that what? A Bob isn't enough without adding panniers too?
I see your reasoning. There are two kinds of pannier folks - those who like pockets and those who don't. Most of the pockets folks are put off by the "one big bag" nature of the Bob. And that's where you are finding yourself, although presumably not as black and white as I may have put it.
So, your two choices are to work a little harder at making something that works with the Bob to achieve what you want, or to add a rack (front or back) and one or more panniers.
Loaded panniers on the low-riders on the front make a bike, if anything, more stable (unlike your bar bag, which has the opposite effect).
Putting more load up front also evens out the wear on your tires (somewhat). Rear panniers have the option of more capacity (which in your case doesn't seem like what you want). Most "front" panniers can be mounted in either position, but are smaller than "rear" panniers.
The Bob is heavier than most combinations of front and rear rack plus four (empty) panniers. But you could go without either rack, and with no panniers, you are only gaining on the order of a pound. A front rack is lighter than a rear rack, but racks are pretty light, so that should be a small consideration. You can bungee things to the top of a rear rack, but not to low-riders.
Finally, a recommendation: some panniers convert to a day-pack. I can give you a good and a bad example. First the bad: Nashbar had (has?) a pretty nice day pack that they call a pannier. The hooks are insecure, and the back plate isn't stiff. It was cheap. It fell off once too many times, it caught itself in my spokes. I still have it as a day-pack. The good: Arkel GT18s come with a day-pack option. You buy them singly, and can get either or both of them (or just one) with what it takes to do the conversion. I don't have a day-pack version, but I do have a pair of GT-18s, a commuter, a pair of TT84s, and a large bar bag from them. Their quality is unimpeachable, so I would expect the day-pack conversion to have the same standard.
Lots of trade-offs.
One other thing: not all front racks are created equal. You want one that is rock solid, if you go with the front (Arkel carries one that works well), and secure mounting for the panniers. There's nothing quite like a front pannier wobbling in the front and threatening to (or succeeding to) run into your spokes.