The rack is essential equipment, especially in spring and fall when you need layers. Always have 3-4 bungies on it to attach things. I've used a handlebar bag for years to carry gloves, camera, lock, etc. but it is about to fall apart. My emergency kit (tube, first aid, tools, etc.) is always under the seat. The handlebar bag will be replaced this fall with a rack trunk so I'll have a watertight place for the jacket, food, etc. It also seems a perfect fit for that bottle of wine and picnic lunch with the wife.

I also use a small daypack with hydration pouch on occassion, especially while packing my good camera or binoculars for wildlife watching.

I carry too much junk with me, but often ride in remote areas. You just know the first time I left something at home I would need it 15 miles out in the boonies, where the cell phone just doesn't work!