Just a small PSA as I had the experience of ending a 66 mile ride and noticing my saddle bag had disappeared somewhere along the route. Fortunately I keep only tubes, a lever, CO2, and a patch kit in there. And there was a happy ending as someone did manage to pick up my bag along the route of the organized event. I still need to drive out and pick it up from them, but I hate to think of what would have happened if my phone and car key was in that bag.
Or better yet, carry tubes in your jersey pocket if you like. Definitely wouldn't have lost anything then.
I used to be anti-saddle bag, but it's nice having a small, simple kit ready to rock on the bike every time. Lucky I didn't flat. Apparently the guy found it well before the halfway point.