And when does anything important happen that needs phone? Knock on a door.
I can go miles without passing a door to knock on on most road rides I do.
All my stuff goes in jersey pockets. Tube, tyre lever, mini tool in one, pump/spare clothes in another, any food for long rides in both side pockets. Phone in plastic bag in zipped pocket
Why do you a penknife with you? Only possible reason I can think of would be to dig glass out a tyre? Not something I’ve ever needed a penknife for on a ride though.