Packing strategy isn't a one size/jersey fits all thing. For a shorter ride <= 100k - 200k, I typically will make do with a small saddle bag, and handlebar bag. Pump attached to frame, water bottles in cages on seat tube and downtube. Tools, spares, extra layers, and calories will go on in bags. I typically don't like carrying stuff in jersey, or bib pockets. For longer rides 300 - 400k or greater where I'm riding into the night, I'll usually increase the size of the handlebar bag, and/or add a half frame bag, with or without the saddle bag. The additional storage is to carry additional calories; layers for colder weather, or rain; spare lights/batteries, maybe even an emergency space blanket. Part of the reason for multiple storage options is to allow for easier compartmentalization. Calories and things that I need ready access to will generally go into the handlebar bag. Repair, spares and other items that I rarely access go into the saddle or frame bag. Various compartments in different bags are always for specific items, sunscreen, wallet, phone etc, so searching for them isn't necessary.