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Unlike the Kata, the Fastpack only has a quick access flap on the left hand side of the bag (from the perspective of someone wearing it). This makes sense if you're right-handed: slide off the right hand strap, pull the bag around with your left arm and pull the camera out with your right hand. Those wanting a flap on the right may prefer the Kata, since it gives you an option.
There's a flap with two quick release clips over the main camera/lens compartment, and a mesh pocket for water bottle on the right side. Underneath the flap, there's a slim zippered pocket which could hold filters or something else that's fairly flat.
Inside the main compartment, you can see the D90 with 17-55mm attached (no hood) and immediately to the right of it, the Nikon 12-24mm f/4. If I took the 12-24mm out, I could fit the 17-55mm with its hood attached. The D90 doesn't fill up the space for the camera body - I wish it were a little more snug but they've allowed room for larger FX bodies as well as DX bodies with a grip attached. Above that there's a narrow compartment that could hold a couple flashes, but for now I just have the battery charger and AC cord on the left and the lens hood for the 12-24mm on the right. Below, I've setup a divider between my 35mm f/1.8 on the left and the 18-105mm VR on the right (with lens hood attached). The dividers are sturdy and the compartment is well padded on the outside - equipment would be well protected here.
This photo shows my Dell Latitude D630 sliding in to the laptop pocket. This laptop only has a 14" LCD so there's a fair amount of extra room (the bag is rated for a 15" LCD). Even without a computer, you could throw some books or magazines in there.
The top section has a small zippered pouch on the outside. Not a whole lot of room in there.
The flap on the top section is not very well padded compared to the bottom section; I wouldn't put any optics or sensitive electronics in here. But there is plenty of room for other accessories, maps, lunch, etc. I've shown it with the 17-55mm for a sense of scale.
Overall, I like this bag. I could see that I was going to outgrow the Kata 3n1-10 very quickly, so this is a better solution for storing and carrying my gear. The 3n1-20 is probably closer in size to the Fastpack 250 (Kata also makes a model with a laptop compartment the 3n1-22) but I don't see the utility in having a sling bag option for a bag of that size (that much weight on one shoulder is not going to be comfortable for any length of time). Also, I felt that the clips and zippers on the Kata were not as easy to use as I expected, so I opted for the Fastpack instead. The only downside is that once you get it loaded up with gear (especially a laptop), it gets really heavy - not the sort of thing I would want to take an all day walking tour with. However, it'll get all your gear on the plane, and you can leave what you don't need for that day in the hotel.
However, you give up some reach on the tele end, and the 16-85 costs almost twice as much as the 18-105 (the incremental cost is even more if you consider that the 18-105 costs about $200 in the D90 kit, and if you already have the 18-105 you'll have to sell it on eBay or Craigslist). Expectations for image quality from the 16-85 run high given its price, and the lens is generally well reviewed. However, I did an informal test of the 16-85 against the 18-105 over their common range and found that the 16-85 was sharper from edge to edge at close focus distances (less than 30 feet) on the wide end. However, for shots at 85mm with focus distances greater than 30 feet, the 18-105 was noticeably sharper. My informal test shots were taken at the same aperture and shutter speed in outdoor lighting conditions. At 100% crop, it was easy to identify the 18-105's shots based on the center of the frame, and things worsened at the edges. This was really surprising to me and not at all what I expected, but I ended up returning the 16-85. The relatively high price of this lens could've been justified based on its features, but I was unwilling to spend more money for lesser image quality. Ultimately, if the wider angle is what you're after, you'd be better served by buying the Nikon 12-24 f/4, which can be had for about $500 on the used market.
Back of the 3n1-10. For sling use, you connect the red strap to the red hook. It can be reversed for left handed individuals as well.
Inside, there's a fair amount of room, but it's the smallest of the 3n1 series, so even with my gear the fit is tight. From left to right in the photo, you can see the 35mm f/1.8, D90 with 12-24 f/4 and lens hood, and the 18-105VR with lens hood. One improvement would be to extend the zippers an inch to the left as it can be difficult to reach lenses stored on the left hand side of the bag - this is a real annoyance. The bag came with a couple more foam dividers but I've taken them out for the time being as it was just too cramped. The quick draw feature works well although I'm not sure yet if it would fit the D90 with the 17-55mm or 70-300mm VR mounted. Probably possible but a close fit.
There's two side pockets next to the top compartment. They might barely hold the 35mm f/1.8 but clearly they're designed for smaller accessories.
The top compartment is as well padded as the rest of the bag and I have no reservations about storing a lens in that section. You can see it here with the 18-105VR for scale.
Overall the bag is well designed, solidly built, and comfortable. The bright yellow interior is a nice touch. As you can tell from the photos, it's a relatively small bag so if you have more than a couple lenses, you'd be better served by the 3n1-20. Don't even think that you could get a lens like the 80-200 f/2.8 into the 3n1-10. However, for a light travel bag, it's not bad. Ultimately I ended up returning the 3n1 because the single-strap mode just wasn't practical for a bag of this size. It's caught in the middle - too big to be a good sling bag, too small to be a useful backpack. Another issue was that the zippers didn't feel as smooth as I expected for a bag of this price, and was concerned that they would jam over time. Plus, there's no reason this bag needs to have 4 quick release clips on it - they almost defeat the purpose of having a quickdraw flap in the first place. I thought about trying the 3n1-20, but instead I ordered a Lowepro Fastpack 250. We'll see how it works out.
Once you get out of the consumer zooms, Nikon charges a mint for its lenses, especially the fast glass with f/2.8. Even if a lens isn't designated for the pros can still retail above $1,000. Fortunately, there's some good deals to be had on Craigslist, if you know what to look for and how to deal with sellers there. People get excited with a new camera and buy more lenses that they know what to do with. Eventually they realize that all the pieces of glass sitting in the closet are worth some real cash. Personally, I'd rather buy lenses of Craigslist than eBay, as you can get your hands on the merchandise before you commit the cash.
Finding Your Lens
Craiglook is a great resource for digging through Craigslist because it lets you expand your search beyond Craigslist's default search radius.
Negotiating
I'd rather get this out of the way by email or phone before meeting in person to avoid wasting everyone's time. Craigslist sellers tend to have an inflated view of what their lens is worth. While it's true that Nikon glass holds its value very well (especially compared to third-party manufacturers like Tamron, Sigma, and Tokina), it's still a used product that will sell for a substantial discount. Check eBay and KEH for pricing indications. The seller's price needs to be below comparable eBay transactions, because eBay/PayPal/shipping fees (which are paid by the seller) can easily amount to 10-20% of the sales price. Sometimes the seller doesn't know what they're selling, and has overestimated its value. For example, there are 5 versions of the Nikon 80-200 f/2.8 lens. The version made in 1988 is worth a lot less than the version that's currently being produced.
Meeting
Find a neutral location - Starbucks works well - to meet. It's unlikely that someone's going to rob you, but since you're carrying a large wad of cash, why take the chance? I wouldn't meet at someone's house, nor would I want them coming to my house. There's just no reason to risk it.
Inspecting a Used Lens
Keep in mind that if you ever plan to resell the lens, it'll be worth more with the original box and papers. The warranty papers are nice, but Nikon USA's warranty is non-transferable, so if you need repairs in the 5 year warranty period, you'll have to have the original buyer send it in. Also remember that non-US (gray market) lenses aren't accepted by Nikon for repairs if you ever need service, regardless of who owns the lens. Generally, the serial number on all US warranty lenses should start with "US" before the numbers.
Does it Work?
Yes - if you're patient. You have to do your homework on pricing and you'll probably have to walk away from several deals before you find one that works. For example, I was recently in the market for the Nikon 12-24 f/4 wide angle zoom. Amazon sells it new for $999 and used copies on eBay sell for $550-$600. I picked up a copy on Craigslist for $500, still in the box and didn't look like it had ever been used. If I ever decide to get rid of it, there's no question I can get my money back, so it's a low risk investment.

Conclusion: Both cameras are excellent. However, I didn't find that either one represented a quantum leap forward versus my old Canon Powershot S410, not enough to justify +$400. So a Nikon D90 DSLR (or possibly the new micro four thirds Panasonic GF-1) is my next stop. And it's really a shame that Canon couldn't make the S90 clearly superior versus the LX3 given that they've had a entire year to refine their product.