I bought a new bag last June. As you imagine, I spent countless hours searching for reviews.
I ended up going with F-stop, but not the Loka, which seemed too small, but with the Tilopa BC. I couldn't be happier with the quality of this bag, except for the price.
I originally wanted the SATORY EXP, but I would have had to check it in at airports (both the Loka and Tilopa BC can be taken as carry-on).
I got the medium ICU.
Honestly, the Loka might be right for you IF you are planning ONLY short day hikes around your area. If you think you might have some use of it during long vacation away from home, I would get something larger.
I have to disagree with other post. The Loka will not give you PLENTY of space if you add a medium ICU, but you will have space for your water bottle and granola bars. If you go on longer trip, you will need jacket, emergency kit, headlamps, poncho, spare clothes, extra batteries, more water ... This barely fits into the Tilopa BC when you add all your camera equipment.