No wallet. CC, phone, some cash and other stuff inside a small dry bag in one of my jersey pockets. I'm a heavy sweater in the humid south. Plastic baggies have failed before. House key inside vehicle. Auto key is hidden somewhere on outside of vehicle. If you crash, people might have trouble retrieving your key/vehicle. Plus, with the cost of replacement matching fobbed keys, why take the chance. Tools/repair stuff are easily replaceable, so they go in a bag somewhere on the bike. I have a medical allergy to a class of meds that might be given at an accident so I wear a Road ID bracelet with that info/emergency numbers as well.
I also throw in a fresh pair of undies and socks just in case.
