Something I forgot to put in my original post I'll add here...

a plastic sandwich or snack size baggie.

I originally brought the baggie along to roll up the packaged contacts to help them from getting lost in my saddle bag, or accidently falling out if I stopped etc. (baggie is more noticeable). However...

I used that same baggie once when caught out in the rain. Luckily I didn't have far to ride home, but the baggie worked great for giving my cell phone enough water proof protection until I got in.

On a womanly note, if you have any sporadiac cycle issue, a compact size tampon is nice to have in the saddle bag. Though a female fellow rider might help you out there if needed. Unfortunately I am one of those that tried the Diva Cup and it didn't work for me (short of story).

Sure... bike shorts are normally black, like a lot of saddles, but if you are too soaked through things can well... 'travel'. Sorry, not a happy ride picture, but a fact of womanly life for some of us.