I have had a TT Retro10 and don't any longer....there are times when I consider getting another one. Perhaps a Retro20 instead? It's a great bag. Horribly expensive in Canada, but that's probably the retailer's fault. I want weather protection; I didn't enjoy the raincover on the TT bag; but that's just me. Put it on the bag, and you can't get into the bag. Camera is out of action, even if I was just anticipating a heavy storm. YMMV.
I've also had a Tenba Messenger with their insert for quite a long time.
Currently use a Tenba insert in my Mountain Equipment Co-op messenger bag. $24 when I priced it.
Domke has some cool bags; they have been priced in never-never land in Canada, like TT bags are locally. Pricing on both bag lines make Billingham bags look like reasonable purchases! <<shock!!>>
Point in mentioning all this is bags that are common sense purchases, and economical in the US may not be here where I live.