I've never transported beer with a bike, but maybe I should.....

I ride with everything you do plus one more tube, a chain tool, a hand pump, maps, a trash bag, and ....probably something else - haven't looked in there in a while.

I use a saddle bag on the rear rack though - I gave up backpacks 3 years ago and would never go back.

I will also sometimes carry stuff in my cargo pockets - I remember not liking to carry things in the back of a jersey - but haven't worn one in so long I'm not sure.