I have a work lanyard with my work keys on it. I also have a home key on a lanyard. On my way in I always put my work keys on top of my pannier with a few inches out of the zipper so I get a visual the last thing before I leave home. If it is raining I just check twice. I have a routine packing my ride the night before so everything, including my house key is packed in my bags. Then before I leave work I have to change clothes at which time I put my home key on top.