We have these King Cage tool poucheshttp://store.biketouringnews.com/kin...ge-cargo-cage/ on our bikes for those items we don't need to access on a regular basis.

Another really popular bag is the Revelate Gas Tank

As a non-racer bike person, I have a wonderfully large seat bag made of canvas and a wonderfully large rack top front bag. My seat bag always touches my legs but being canvas it has never been a problem.