I have a Brooks bar bag for a waterproof, spare tube and toolkit (in a pencil case type zippy bag). Brooks top tube bag for snacks (snickers mini bars), cafe lock, sunglasses bag and house keys.
On me I carry my phone in the cargo pocket on my bibs and pump, specs and a ‘nana in jersey pockets.
I have a Muc Off tubeless repair kit in the bar end caps but now use a Dynaplug Racer attached under the down tube bottle cage.
I could load much more on me and have less attached to the bike but I prefer to carry less on me.