On workdays, when I need lunch, laptop, and notebook: backpack. There is a pocket for my wallet and phone. Then keys clip on to a fixing point on the left shoulder strap so I can use my right hand to get the keys, use them, and return them to the left shoulder strap.
On riding days, I wear a cycle jersey with pockets for keys, wallet, phone, and snack.
On workdays, when I need lunch, laptop, and notebook: backpack. There is a pocket for my wallet and phone. Then keys clip on to a fixing point on the left shoulder strap so I can use my right hand to get the keys, use them, and return them to the left shoulder strap.
On riding days, I wear a cycle jersey with pockets for keys, wallet, phone, and snack.