frame bag or seatpack depending what bike and how far.  Bottle on the frame.  I don't carry much. Just got a handlebar mount for my phone
I just stick everything in various sizes of camel bak's. Proper one for MTB, small decathlon one for bimbling, and an extra small Decathlon back pack for road bike as anything in my pockets will be where I'm missing half a vertebra, so that extra padding is better than landing on my back with stuff in a pocket. One bag per bike so only need to add phone and keys.
Commute its two panniers
I ended up getting a few louri enduro straps and dry bags. Link
Each has a tube, tyre levers and multi tool in strapped under the seat.
Pump on the frame for road, gravel and rigid bike in shorts back pocket for mtb.
Phone either short pockets (mtb) or jersey rear pockets same with snacks.
Bigger peak rides have a backpack for 1st aid kit and pack jacket + another tube.
Tools are on bike. - granite stash Rx/chaintool and bacon strips stabber.
Tube under the saddle
Pump in its bracket inside rear left seatstay
Phone in back pocket
Food in other back pocket.
Packajacket in the middle
Tools, spare tube, phone, multitool, waterproof etc in seat pack for most rides, bottle on frame, frame bags if I need to carry extra. I like riding without a back pack if I can.
All tools in a storage bottle so that they can be easily moved from one bike to next. Each bike has a saddle bag with a spare tube and cafe lock permanently in them, sometimes food is added before ride. Phone wallet goes in jersey back pocket and sometimes also snacks.
