Re the Topeak bag...You don't find it too rigid and bulky as a waist pack? I came seconds from buying one last week then changed my mind.
I, too, have the Topeak bag. I really like it. But, I must admit I don't use it as a fanny pack, but I like the idea that I could. I keep my expired driver's license and money in the zippered parts of the straps. It is a good size. I am amazed at how much I can stuff into that thing!
I don't find it too bulky, but, then, I often have it slung on the front, just off to the side because I'm usually walking in the city and I like to be able to keep an eye on it.
I did add a camera strap to the bag and I will also use it slung over my shoulder. When I carry it through crowded airports I often am double clipped--wasit band and shoulder strap. Not because I don't trust people, but because I'm a bit forgetful. Oops.
I was concerned that the clip would dig in, but not really.
I got the bag in that I ordered from ebay. It looks like exactly what I had in mind for commuting, handlebar bag to purse. It has exterior pockets all round, a shoulder strap and is easy on and off.
I won't get to give it the real test until Friday.
I have and love this bag on 2 of my bikes
http://www.jandd.com/detail.asp?PRODUCT_ID=FBB
It's not big nor obtrusive, but big enough to stash money, kleenex, cell phone, camera, granola bar, other glasses, and whatever other little stuff I may need to carry. Not big enough to stuff a jacket, but I think I could squish in arm warmers, gloves or glove liners no problem.
For cue sheets I use this one when I need it but don't carry it very often
http://www.campmor.com/outdoor/gear/Product___98102
They make it in a larger size to hold maps but so far I've not needed one so big.