seat bag: all my essentials like spare tube, CO2 pump, 3 cartridges, money, small rag, patch kit, small piece of cardboard (for a boot, if needed), multi tool

i have a small handlebar bag... a topeak that clips onto a holder that stays on the bike.... i always have the house key, ID, insurance card, national park pass and money, kleenex, wet nap wipes, chap stick and the little individual chamois butter packs.

when i go on an around the town/after work ride i'll throw in a bar just in case... my jacket if i don't have it one... my amber lense glasses after work (cuz i always have to change from my sunglasses)...

i'll also bring the camera a lot of times just in case (and always on long rides) and for long rides i also carry gatorade in a propel bottle in there rather than using my water bottles (don't like to put anything but water in my polar bottles!) sometimes... if it's cool/cold when it start out and i think it's going to warm up... i throw some fingerless gloves in there too.. then switch out if i need to! (i take everything but the kitchen sink! and it's a small bag! lol!)

if i have to remove my jacket or leg/arm warmers.. they go in the handlebar bag.. i HATE using my jersey pockets.. and only use them if i have to!

in the summer (it gets up to and over 120 degrees here) if we are just riding around the local area or into the national park on longer rides where there's no place to get water.. i'll take the camelback full of water and ice plus my water bottles (also full of water and ice).. the camel back is comfy enough.. but if i have my choice.. i go without it... but it's not uncomfortable or annoying to me.... i never take it on organized rides cuz i pay for them to supply me water (and food) at sag stops!

another thing i've done for my after work rides... if i just wear a sports bra or workout shirt that doesn't have a pocket for my ipod (the ONLY thing i like to put in my rear pockets)... i'll wear a small fanny pack to hold my ipod...

but for the most part.. everything goes in the handlebar bag!