Panniers and handlebar pack I am planning to tour and would prefer highly visible panniers and handlebar packs.  Also waterproof.  Do racks come with panniers? Suggested brands please?
Racks generally do not come paired with panniers, although there are some exceptions. Waterproof panniers are widely available. There are some high-vis panniers out there, and some that have reflective patches.

We generally avoid specific product recommendations here on bicycles.se, but Ortlieb is a standby pannier maker.