Very much depends on conditions. For mine, this is working.
Toiletries in shower room. (Lucky to have shower.)
Right pannier has tools, tube and such and is locked to the bike.
Left pannier and lights come in with me.
Breakfast and lunch in bag.
Folded clothes in file drawer. I bring batches in by car or use a large box tied onto rack with bungee cords.
Elastic net secures lunch box.
Two panniers.