I use the mother ship purse and a pod purse method.
I have a big purse that can hold a book & scarf & lunch & water bottle & bike gloves & all sort s of stuff AND the pod.
The pod is small and can hold my wallet, phone, keys, lip balm, glasses, pocket knife and, if organized properly, a granola bar.
Going to work & travel: mother ship & pod
Running errands & out at night: pod.