I ride to college 4 days a week. I am pretty minimalist and luckily no one gives a hoot what I look like or if I smell like roses or not. To get to school I generally ride with a jersey stuffed with a bag containing phone, wallet, keys, pens, a few tools, tube, and pump. A t-shirt goes in another pocket I prefer not having a saddle bag because it is likely to get mucked with during the day even if I only leave non-personal items in it. I leave about two hours before my first class.
At school I will just throw my jersey into a locker and pull out the books I need for the day. Switch the shirt, apply some deodorant, dry off with a towel if I need to, and I'm good to go for the day. My lower body doesn't really sweat at all in the early-morning rides.