Just took my bike to the lake for a nice little 100 mile ride. I just looked through this whole thread and am super jealous of the steel 650 dyno hub yadda yadda bikes. I'd love to build one up some day, but for right now this is what I'm rolling with. The frame pack works great for a sandwich, apple, windbreaker, extra gloves and balaclava. My repair kit and spare tubular are in my jersey pocket. I do have to say riding tubulars was a great choice as far as ride quality IMO.
I've also done a century in this but will definitely not do that again.