+1 to thisA little pouch with phone, some money, a credit card in one pocket. And in another pocket, at this time of year, some arm warmers and probably a gilet. If I am doing a longer ride possibly an energy bar.
In the bag under the seat; 2 x spare tubes, 2 levers, multi tool, and some patches/glue.
Yes. A friend went over the bars of his MTB earlier this year and went airbourne for 270 degrees. He landed flat on his back. The rigid plastic lunchbox in the back of his jersey did a couple of his vertebrae no favours at all.Only things I wouldn't mind landing on in an accident, so just food. Everything else goes in a saddle pack.