A few years ago, after having my back totally annihilated by sweat from traditional messenger bags every day, I decided to spring for one of the Fabric Horse utility belts. I'd been using a hip pouch, but I found that unless I threaded it through my normal belt, which made it difficult to remove, it would slide around or sag down annoyingly if it had any weight in it. The utility belt is pretty damn robust and stays securely in place whilst riding. It's definitely a good chunk of cash, but if you really want something that can hold all of the essentials (tools, wallet, keys, phone, lock) with decent weight distribution, then it may very well be worth it. I tend to think that it was a good purchase on my part.