Always with a lumbar pad. Still playing around with captured vs. floating as well as the belt height grommet attachments. I seem to like a partial capture that gives some movement but still feels super solid and the lower grommet that puts the frame a little below the belt.
I would add a favorite configuration I've found is to fold in and compress the side pockets for a slim day pack. You can use the mesh and zippered front pockets, and still easily access the main bag to stash stuff you want to keep dry. I keep a puffy and survival kit in there all the time, and...