I see some people ride with a saddle bag.
Others seem to have a bag attached to the stem or top tube
Others don't seem to have any utility bags at all, I guess they use jersey pockets?
Or maybe they call the wife if a problem arises.
Personally, I need to carry a cable lock, and a utility tool.
I don't like to hang anything off the stem or anywhere connected to steering.
What are your thoughts?

Saddle bag. In addition to a multi-tool you should also carry a spare tube or flat kit and some means of reinflating the tire.

Trunk pack on my rear rack. I pretty much have a mini bike shop back there. I dont like to walk home.

Saddle bag. I can't see ever me not doing that.

I have tool bags with innertubes, patch kit, irons, hex wrenches and anyting that particular bike might be needed on every bike. Carry a Leatherman with my keys in my pocket.

My bikes with (U-)locks have the mounts that came with them. When I used a lock and cable, I would coil the cable into three loops, padlock the ends, then carry it inside the frame handing from a rope loop, pulling it down with a loop from behind the WB and tightening the whole thing with a third rope this time in a simple square knot. For the top and bottom loops, I used sailmaker's jib hanks, excellent quick release clips.

Ben

I've found a micro to mini saddle bag and small hand pump clipped to the frame to be quite adequate for anything needed to get/let me limp home. Don't have a need to carry a bike lock, tho. If I did, I''d carry a cable type wrapped/looped through the frame.

I use a backpack.

Saddle bag. You can get a lot in a micro bag:

+1 for saddle bag. I have a lezyne road caddy with pretty much same contents as the post before me. It's very small and stays out of the way.

Handlebar bag, cobbled together from a repurposed Lowepro Off Trail camera waist pack. Camera, phone, lens, etc., go in the accessory pouches. There's usually enough room for the Topeak mini frame pump too, although it'll fit in a pocket as well. Everything goes with me when I'm off the bike.

Even a small saddlebag isn't practical for me since I use a large trunk bag on the rear rack for errands, grocery shopping, etc. It would need to be really tiny, just barely enough for a patch kit, levers, mini-tool, that's about all. But my cable and disc lock already occupy that space under the saddle.

When the trunk bag is loaded with up to 30 lbs of groceries, the handlebar bag helps balance things. But this is a slowpoke comfy bike not a road bike.

I have medium size Topeak seat bag. GenoO has a fairly extensive tool collection there. I prefer vulcanizing patches to glue ons. Also he is missing a latex/nitrile glove to assist with touching icky dirty chain when removing/mounting rear tires. I don't know how he fits all that in a micro bag!

Lumbar bag, the kind hikers use like MountainSmith. Lots of space and if you don't race but just recreation, then its ok. Also big enough for a Topeak Road Morph. That means the pump does not have to be mounted on your bike.

Its better than stuffing the back pockets of the jersey. In fact, is like a back pocket of a jersey but only designed to carry the load.

mountainsmith Kinetic TLS

Saddle bag with everything needed to service a tire, plus allen wrench set. Pump on frame or in basket. I carry one or two things that the bike doesn't strictly need, in case I'm out with family members and something goes wrong with their bike.

Spare tube, tire levers, multi tool go in the saddle bag. Mini pump gets mounted on the frame. Second spare tube, lock, Y wrench, keys, ID/Wallet, energy bars go in a small front bag. I usually put my cell phone in my jersey pocket.

I have multiple bikes plus I'm a mountain biker so a backpack. Several of my vintage bikes don't have water bottle cages so that give me room for water as well.

Brompton O bag has 2 back Pockets & 1 has spare tube, Etc. in it.

I have three bikes:

First bike is a road bike with aero handlebars. I use a medium/large seat bag connected to the stem and the two front tubes of the aero bars to carry two tubes, levers, multi tool, and tire valve shrader valve converter. Rarely go in that bag. Use saddle bag on Aero bars so it does not obstruct rear light or get in the way of rear rack bag and paniers. Pump on frame, bike lock (12 foot cable) in paniers.

Second bike is a recumbent. Tool bag is a old stanley thermos bag that is zip tied to the back of the seat. two tubes, pump, levers, multi tool, and a rag go in that one. 12 foot cable bike lock in paniers.

Third bike is a mountain bike. I use a small container that fits in lower water bottle cage since lower waterbottle cage is under down tube and gets all muddy and unfit for water bottle. Levers (not really needed), tubes, multi tool fit in container. I do not need a lock on my mountain bike.

Regards,
Crankster

That's one hell of a fanny pack.

I normally use two bags, a saddle bag and a top tube bag. I carry my tools, first aid kit, patch kit, money, bus pass, etc. in my saddle bag, and I carry a spare tube, food, phone, and light batteries in my top tube bag. On my utility bike, I normally carry everything in my panniers.

While some may scoff at my "over-use" of bags and my desire to carry "too much," I find that I prefer to be prepared vs. having to always rely on my wife. It's also nice to be able to help other fellow cyclists when they break down.

Some people do prefer to carry tools, etc. in their jersey pockets, but that just isn't for me. I don't like the feeling of having things on my back like that. But at the end of the day, it is all personal preference