Dependent on weather and temperature for clothing but for shortish rides when I leave with a [cycling] jacket on, I will put my phone, keys, wallet in my jacket back pockets. Attached to my rear rack and held in place by a bungee, I have a drybag style stuff-sack with a small bum-bag in and a cape (rolled up and with a toestrap around it. If I want to take the jacket off, it goes into the drybag and the pocket contents go into the bumbag and around my waist. I have a small under-saddle saddlebag that stays on the bike and holds my toolkit and spare tube. Pump is attached to the frame and water bottles go in cages. If I want to carry a bit more, such as food, camera, lock etc., I use either a rackpack, handlebar bag or both. If I'm taking a load more stuff, like camping or shopping, I use panniers.