I try to stage everything the night before but I always double check that I have clean undies in the pannier and my work badge before I dress out, load up the bike and leave. Long day if I forget those.
I do check the weather temps online first thing and if it looks like I'll have bad weather, I regroup and head to the pool to swim instead of bike -- or sleep in.
Coffee is for post-ride; I slam Diet Coke before departing to tide me over. Sometimes I'll take cold espresso+milk in a waterbottle to nuke in a mug at the office, pretty tasty to me. I eat breakfast and caffeinate during the 10 minutes it takes my work laptop to boot up.