If you don't want to pay out on expensive racks, bags or boxes then don't.
They make life easier but are NO WAY essential. Don't get sucked into the marketing.
I would avoid a very large duffel bag bag because your rear seat isn't very large and it will sag over the sides.
Two medium bags will work well at around the 50 litre capacity. One for camping/spares/tools and one for your clothes. How you strap them down is more critical than the actual bags. Use very high quality 'Cam buckle' straps. The more rigid they are the better.
Tank bag will be great for your valuables, paperwork and electronics.
If your budget can stretch it, a back-box isn't too expensive. But not essential. Check Ebay.
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Did some trips.
Rode some bikes.
Fix them for a living.
Can't say anymore.
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