a routine is crucial. A coworker is getting into bike-commuting but only once a week so he routinely forgets his keys.

I don't have a really good routine. My kingdom for a mudroom... but I do keep things together in discrete chunks; helmet/hat/gloves one place, shoes/insoles/socks another. I keep day-in-day-out needs in a fannypack (watch, keys, phone, wallet), can grab that whether biking or not.

Dealing w/ panniers is the shakiest part in my routine. I'm forever leaving them packed until after the dishwasher starts (tupperware gets to ripen some more) or after the laundry has gone in (clothes get to ripen some more).