depends a lot on what you're used to. i for instance have a big problem wiht combining bike and photo, i tend to take a lot of gear with me, and, most importantly, my tripod. carrying all that on my back while riding gets old very soon, so i tend to use the car for photo, and i usually never shoot when riding, even if i do take my gear along, it's driving me crazy to be honest.
one solution might be to get a pack for the bike, instead of carrying on your body, if it's a road bike, it shouldn't hurt the camera to stay on the bike (i assume you are not planning to do 70-80 miles/day offroad); otoh, for me, a k10d with the kit lens would be weightless, given what i am used to, if only i could limit myself to that little (i know, i have a big GearCarryingAddiction problem, basically all i have goes with me, i am lucky i borrowed my 135/3.5 sonnar to a friend, otherwise i would be carrying two 135mm lenses, i am sure, amongst other things; yeah, that bad..)
btw: somebody, please.. help?