All points taken...I understand that if you crash and land on your phone, it won't do you any good. That said, my husband has always asked that I carry my phone on my person, that is, in my jersey pocket. (I keep it with ID and money in a plastic baggie to protect it from moisture.) His point is this: if someone or something (dog, for ex.) gets between you and your bike, you want to still be able to get to your phone.

Just a thought.