Okay, here you are..
The saddlebags themselves carry a tool kit, spare tubes, pump and various items for the bike itself.
When actually commuting the front cargo rack carries a backpack that has my tootbrush, deodorant, various small belongings that I might want. The small black duffel up front usually rides in the large blue duffel on the back. The black duffel carries work clothes and shoes. The blue one carries rain suit, various hats and gloves and any other weather related gear.
When I grocery shop, or anything like that, then the groc get spread between the various sacks.