I'm not a big fan of stuffing everything into a jersey pocket. I have a nifty little Timbuktu bag that just attaches with velcro so I can take it off easily when I am racing (saddle bag while racing is a big no-no, because it could fall off and cause somone to crash). Even though it only velros on it is very secure and it is just big enough to stash a small repair kit - fits a tube, patch kit, tire levers and C02, if I only carry a patch kit and no tube I can put my minipump in there as well otherwise I stick that in my pocket.

As far as the ripping up my shorts thing - I've taken care of that by sewing a little sleeve that goes over the velcro attachment for the seatpost out of an old pair of cycling shorts - cause yeah every bag I've had will tear up the inside leg of my shorts if I don't cover that velcro.