Though I'm not an Official Tester I am an eye cream tart so I'm giving you my opinion anyway.
Although I've never had bags I've always suffered from under eye circles (dark red rather than black) and black shadows in the eye socket where it meets the nose. So I do tend to slather on the eye cream quite generously and then use concealer on top (the right cream also has the advantage of stopping the concealer going on too thick)
I have just finished a pot of Origins Eye Doctor, which I liked a lot. It had a nice silky but thick texture, and was good at moisturising the eye area. Unfortunately I left the lid off and it all dried up. I intended to go get some more, but the lady at the Origins counter confused me by trying to sell me a different one with mushrooms in which smelled rank. I legged it when her back was turned.
Instead I bought Benefit EyeCon. It was an impulse buy in boots and I'm afraid not a good one. It may indeed do what it says it does - it has fading action apparently - but its a bit thin and doesn't really feel nice going on. Its also useless under make up.
I used to quite like MAC Fast Response Eye Cream, so I was considering getting some more of that. But apparently now I'm a Mum I'm not allowed to.
So I've decided to swap the Aveda stuff I got given for my birthday but didnt want for an Aveda Tourmaline Charged Eye Creme. It brings radiance to tired eye area apparently, and I have a good feeling about it. I shall report back.