I have a Topeak MTX bag. I carry inside it my 2nd 24 oz. water bottle (only space for 1 on the frame), a reused 32 oz. Gatorade bottle that I fill with water and freeze, and two 20 oz. bottles of Gatorade of which I only drink one so I'll get rid of the other and find another bottle to fill and freeze with water. I drink a LOT of water. The water I carry isn't enough for 60 miles.
I usually have a couple of granola bars or couple of PayDay candy bars but usually I don't end up eating them. I carry them anyways just in case.
In the underside of the top there is a pouch I toss my keys in and always have a bottle of Excederin. In a pouch on the back inside I have a handful of eye glass cleaner wipes since sweat pours off me like a fireman's hose and inevitably it will drip from my brow and get my sun glasses a mess to where I can't see out of them.
There are pouches on the sides of the trunk bag but they are tight against it and useless. I sometimes slip my phone into one of the side pockets. It's difficult getting it in and out.
I usually have a bag of jerky wedged in after all the bottles because, well, for no other reason than I like jerky. That and I chew snuff (stupid, I know) and trying to kick the habit or at least cut down, I'll chew up a little of the jerky into my lip instead of the snuff.
I just got a small little behind the head frame bag which I can now carry my camera and my wallet for easy access. I'm the photographer of the group and need quick and easy access to the camera. When we stop anywhere, it was getting to be a pain to dig the wallet out among the other stuff in the trunk bag plus it would be cold and damp from the frozen bottles.