Add Oveja Negra Threadworks up in Leadville to the list of nice off-the-shelf half frame bags. They can do full custom, too. For a budget outfit, though, I think Jandd is hard to beat. They have top tube bags that cost half or less than the more boutique ones. Their stuff is bulletproof even if it's not as technical and heavier. My wife runs their panniers for commuting and I run their tubular seat bag on my bike daily, love it.