I don't like anything around my waist. I put cell in left jersey pocket, thinking that if I crash and am away from my bike, the phone will be close at hand. House key is always in right side pocket. Xerox copy of driver's license, insurance card, some phone numbers, and $10-20 in a zip-lock freezer baggie that goes in either seat pack or front handlebar bag. Have a baggie so equipped on each bike so never have to worry about moving from one bike to next. Just have to remember to replenish the cash periodically. If I am going to need more money, or a credit card, I'll add that too.
Sometimes I add a Bento box - can hold camera, phone, shot blocks, energy bar, cue sheet. One hand operation to take anything out. Just make sure to pat the velcro down to be sure it's secure. I have had friends claim their phones jumped out of the bento box.... In several years I've never had even a hint of this problem.
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I like the small front handlebar bag, the keyword here being SMALL:.
for CO2 inflator/spare cartridge, small headlight, money baggie, baggie with some first aid stuff, chapstick, sunblock, chamois butter packets, and my glasses if I think I'll be needing to switch glasses during the ride. There is plenty of extra room to carry food, map, whatever. It's always on the bike, all I have to do is check cash supply occasionally, and add glasses or food if it's a long ride. Can stuff a buff, arm warmers, bandana, or even balaclava too if necessary (but not all those items). Again, I have one for each bike, mostly already loaded.
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I have yet to get into the habit of putting much in my pockets - in my jersey that is.