Darrell from Jefferson City, Mo. on 9/18/2013 4:27:40 AM:
I've never seen panniers left on a bike on the train, nor have I left them on. The bike has to be carried up the steps and onto the train, make a turn and then put into place. My panniers would be to heavy and cumbersome to do that easily or as fast as needed.
My experience has been this, you go on the train last, the fellows working on the train grab your bike before or after you go up the steps and put it in place, I go back and get the panniers and handlebar bag and the train is rolling before I get the bags in the overhead storage area and get seated. Has been about the same routine each of the several time I have used the train. Things change and it has been a couple of years since I used the train, but basically that is how it worked.