Does anyone commute with only an Arkel Bug that has the laptop bag and their clothes in it?

I got my Bug yesterday. It's REALLY a nice piece of design. It feels very sturdy, has a great latching mechanism, and comes with an excellent warranty.

I bought the laptop bag and the rain cover to go with it. The laptop bag attaches really nicely and there is a built in compartment for the rain cover.

There's also a compartment for a U-lock and somewhere to put your helmet too.

However, when I put in the rain cover, the laptop, the U-lock, a multi tool, some levers, and a tube, my wallet, phone and keys, the space becomes very tight. I'm using all the pockets available, but they all seem to reduce the space inside the main compartment. This leaves very little room for my clothes. If I roll my shirt inside my trousers, I can just squeeze them into the top of the main compartment horizontally, but it's tight, and I worry that this will cause a lot of wrinkles. Also, there is definitely no room for a lunch or even a thermos.

Does anyone else just use 1 bag, the Arkel Bug, to carry everything? If so, any suggestions on a better way to load it up?