Originally Posted by lil brown bat

Just wanted to add this observation to OP: what you describe is not a lot of stuff. In my case, the lock goes in its bracket on the bike (and generally you can do this even if you don't have a bracket), the lights and multitool and spare tube and tire levers go in a small under-seat bag, and a change of clothes plus laptop go into the backpack (which I guess you find unacceptable).