On my road bike, I have a medium sized saddle bag in which I carry a spare tube, CO2 canister, CO2 pump and tire leavers. In the pockets of my jersey I carry my phone, car keys if I drove to the start or my garage opener if I rode from home, a small ZipLock bag with a credit card, my drivers license and a copy of my insurance car, and snacks and/or gels.
On my tri bike, I carry everything in my jersey pockets. I have a behind the saddle hydration system so no bag there. I could get a bento box but I haven't for some reason. It doesn't bother me to carry stuff in my pockets.
"What am I on? I'm on my bike, busting my *** 6 hours a day. What are you on?" Lance Armstrong
2011 Quintana Roo Dulce
2011 Trek Lexa SLX