Buying rear rack during pandemic crisis - go real bottom, up high, or wait?

In your situation, I would buy the cheaper option.

Firstly, you will limit the amount of money you lose if you still want the mid-range rack later on.

Secondly, I don't know how much experience you have with commuting with pannier, but I have lots and the only time I put the rack to it's limit is when I got shopping and beer crates are on discount. I rarely load them with more than spare clothes, lunch and bicycle spares.

Thirdly, you should consider the mounting of the pannier. I bought an expensive rack to raplace my mid-range one only to end up keeping the mid-range one as the pannier system fit on it much better. Consider rack tube sizing vs pannier mounting hardware, and rack vertical tube position vs pannier bottom securing mechanism.

Sometimes, the cheaper racks fail as they come with cheap and weak bolts. YOu could also consider buying the cheap rack, and buying stainless steel bolts (doubt they will come with strong bolts) and test the rack.

Finally, I'm very glad you've decided to commute by bike. And "best setup" is a very personal and subjective thing. So it can be hard to give advice that doesn't include "It's the best coz I like it".

25kg on a rear rack is already very hard to handle, especially if it’s on the top of the rack. Start leaning the bike unconsciously while standing at a red traffic light and you’ll suddenly do a very embarrassing dance trying to prevent the whole thing (+you) from toppling over. Carrying more than 25kg on a rear rack is really not a good idea. I doubt the bolts and bolt holes of the frame can survive much more. It’s also quite hard on the rear wheel, so make sure you have a sturdy rear wheel if you plan to carry this much load.

I never had a use for the spring clamp on my first rack and removed it after some time for weight savings. It’s really only useful if you quickly want to transport something small and easy to clamp, like a sweater. Even then it’s hard to keep it away from the rear wheel. I’m commuting and traveling by bike and I’m more than happy with my Ortlieb Backroller panniers (Vaude makes very similar ones). They are extremely sturdy, roomy, waterproof and quick to take on and off.

As Qwerky mentions in the comments, bungee cords are much more useful and flexible for securing things to the top of the rack. I’m actually using the detachable shoulder straps of the Ortlieb panniers for the purpose.

One more tip from experience: Tighten the rack bolts to appropriate torque and use threadlocker, they tend to come loose.

As others say, this is your decision. Here's what I decided:

Personally, I use one of the sturdy expensive ones (a Tubus Logo, which has now gone around with me something between 30000 and 60000 km in the last 14 years), but I use panniers (including one with A4-folder shape & size) and therefore wanted to have the 2nd lower sidewise bars for the pannier. I'd have preferred a wider rack as well, but they weren't available back then with the lower pannier bar.

Things I'd look for/consider:

• A spring holder is a secondary requirement in the sense that you can get separate add-on spring holders.
  (I haven't bothered to do so, however: my Sweater or rain jacket and dog leash go into the handle bar pannier)

• My experience with the flimsy varieties of rack is that things get wobbly at far less than 25 kg (easily with a not-so-small laptop plus a book in the pannier), which is particularly bad at high speed.

• I carry my laptop somewhat regularly, and I think a laptop is probably better transported "standing" than flat on the rack. I.e. I use a pannier.

• If you consider pannier use at all: I still find the 2nd, lower bar to attach the pannier a very good idea.
  Since I do use panniers attached on the 2nd bar, I use top of the rack mostly only for longer tours (to put my camping gear across) where it gives a reasonable platform together with the top of the panniers.

• Meanwhile, there are also racks with wide top (12 cm instead of the ≈9 cm I have) and 2nd bar available. (That's in the expensive segment, though.)

• A rack design that puts the rear light into a bit of a "cage" can save a whole lot of back light repairs :-)

• It may be possible to sell one of the expensive racks again if you decide after all to not like commuting.

I think in the current pandemic it is okay to start building your own stuff. Get a sewing machine and you can make it just the way you like. You could even start a business with it. Good luck!

@Mołot please clarify - what kind of items do you intend on carrying ?

I have recently had to start carrying a work-owned laptop back and forth, I'm very glad I have the better rack and pannier.

If you're just carrying a coat and your lunch, perhaps the cheap one is good enough.

Consider also that 25 kg is a lot of weight on a bike, and 40kg is roughly all the weight your front wheel might carry while riding in a steady state. Most racks would be used for loads on the lower end, (except for baby seats)

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An SDS hammer drill is 5 kg for a lightweight home user one, and perhaps up to 20 kilos for a hefty solid tradesman grade one.

A Colt Army Model 1860 or Remington Model 1858 is about 1.25 kg but all the other items could bring this closer to 10 kg. Additionally there may be restrictions on how you transport firearms depending on location/jurisdiction.

Heavy 17" laptop seem to be around 7 lb or 3.1 Kg

Lunch 0.5 kg

Water and vitamin drinks A litre weighs a kilogram, so 2 bottles would be about 1.5 kg.

Some books or technical documentation on paper - anything up to 2 kg, paper is heavy.

emergency first aid kit - again could be anything up to a kilo. Mine's only about 80 grams.

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Upshot of all that is your 25 kilogram-rated rack could be pushing it. Instead - get a bottle cage for your frame. Almost all bikes have at least one pair of threads where a bottle cage can be bolted. And water is dense.

Another thought is that a rack is just a flat surface. Items like your drill will not hold the rack, you'll need some bungee cords or similar to attach them. Often the spring is in the wrong place or just inconvenient, but the mass of the item encourages it to slide around. Plastic or metal cases aren't grippy either. Perhaps you need a basket with sides on your rack? Not sure how else you might stack multiple things on the rack.

Also remember your bike spares, tubes and pump and tools for a puncture change. Additionally, the added weight high up and rearward can affect the handling of your bike, especially if the load moves suddenly.

I'd suggest a rack that has stays going down to the rear hub area for support, and enough of a structure to carry panniers on either side. This lowers the weight and increases bike stability. Some systems have stowable/folding panniers but of course strength is lower.

Sorry for self answering, but answer was simpler than I thought.

I asked the best local manufacturer, one with medium-range prices and high quality, when their 35 kg racks will be available. They won't be, but they'll figured out they have a few of them in the corner of their warehouse... So I got what I hoped to buy in the first place!

So, it is always worth to try to talk to people, and simply ask.