As others have said, you're overthinking this. Put your food in a bag (insulated or not), put that bag inside a backpack/pannier/trunk bag, get on your bike and go

My typical lunch is some fruit, a cup of yogurt, and some sort of protein leftovers (chicken, pork chops, brats, whatever else is laying around). Easily enough to get me through the day and with the energy to ride home.