I can only give you advice, based on my experience with an older MTB that has hauled over 130lbs worth of groceries at a time.
I'm a fan of keeping the bike modular, so it can be ridden with no extra bulk (except for front and rear racks), but I can increase its capacity with a combination of baskets, panniers, or a cargo trailer.
My standard haul configuration is usually the trailer with rear panniers (25L Arkel Shopper bags x 2 + the Wike City Cargo Trailer with 100lbs capacity). It typically looks like this, although I don't usually bring the trunk bag on grocery hauls, and will instead (if needed) mount a large steel basket, which is secured by voile straps.
If I'm picking up a really large/bulky grocery haul, I will bring two front panniers and a handlebar basket (Wald).
But.... most errands and smaller hauls will either see me with a Burley Travoy trailer, which converts into a handcart for taking into stores, or just the rear panniers.
As I said, I like to keep things modular with the option of just having a "naked" bike to ride around with.