Saddle and bike bags look fugly to me so everything goes in jersey pockets. Food/fuel in left pocket for easy access. Spare tube or tubular/CO2/tool all in a SPY bag in center pocket. Rt pocket gets ID/ins card/credit card and cash in zip lock. Phone also in rt pocket but not in zip lock unless raining. Vest/extra gear stuffed where it'll fit. Been using this setup for years.