How did I miss this thread‽
On my "work bike", I have a Carradice Camper Longflap - it's on a QR bracket and has a shoulder strap so goes with me when the bike is parked. One side pocket has my lock in it when I'm riding the bike and my gloves,cap and bike clips when it's parked. Inside, a closed cell foam sit-mat, my little "man bag" (which accompanies me almost everywhere, whether on or off the bike) and a collection of carrier bags. Stuff is also carried - such as shopping and stuff for work. Depending on weather etc., it will have various items of clothing and wet weather gear too, including a shower-cap for the saddle. I never carry tools or a pump on this bike.
On other bikes and for leisure rides, it's usually a Lowsaddle Longflap and it usually has a sit-mat in it (handy for the knees when fixing a road-side puncture), my little toolkit pouch, my pump, my man-bag and clothes as above. Some (most) times I take a lock too.
Phone, keys, handkerchief and wallet usually go into pockets or bum bag (if the pockets ain't satisfactory) but sometimes in the saddlebag (but not the handkerchief).
If I'm taking a camera and/or binoculars, then they usually go into a handlebar bag or the saddlebag.
Things change when I'm overnighting with the camping gear.