I pack heavy, but I have a family member volunteering at our team tent who is driving our car with our stuff in it. If you are using the MS Society trucks, I think you are limited to 2 bags, but check that with them before you believe me about it. If I were trying to fit things into two bags and not sleeping in a team tent, I would use a large duffle to carry my tent, pillow, blanket or quilt (sleeping bag may or may not be needed if it is only going down to 62-65 overnight), and mattress pad. In my other bag, I would put the rest of msd's list above. With me on my bike, I would make sure to bring sunscreen and lip balm in addition to the usual supplies like spare tubes, CO2s, and a multitool. Also, if you use any specific ride food like Gu gels or anything, make sure to put some in your overnight bag for use on Sunday. Ride day is not the day to be trying out new nutrition combinations.