..well if you have/have to carry one, what does it look like?

I've had to do this several times, not often. And usually it is work-related thing.

I have a small black handbag, quite small purse. It is the lightest and neatest thing that I can cycle with inside my pannier with my dressy change of clothing ....but unfortunately it does look almost too cutesy, almost outdated.

AFter all, isn't the fashion to carry a large, carpetbag looking purse with huge buckles, etc.?