Even though I work in the heart of Chicago's Loop 5 days/week, with myriad lunch options surrounding me, I bring a lunch to the office 80% of the time cuz getting food from restaurants has gotten so stupid expensive (and I'm kind of a cheap bastard).

Usually it's a wrap with hummus, veggies, and cold cuts along with an apple or an orange or other fresh fruit. I transport both in a little insulated lunch bag that goes right in my pannier.

Not the most exciting answer, but it works.

And more importantly, it saves me money!!!