I have a big saddlebag that's full of junk, especially at this time of year.
Tubes, puncture kit, tools, camera, lock, waterproof jacket, rainlegs, longs, long sleeve top,windproof jacket (gilet with removable sleeves), gloves, socks, hat, spare back light, spare front light, spare batteries, emergency rations, plus other stuff that fails to get taken out.
If if gets cold or starts to rain some gets worn, or I'll set off wearing some, then remove it into the bag when the day warms up.