[ChrisBennet]

I have a smaller under the seat bike bag with a spare tube and CO2 inflator. I tuck my iPhone (with case) with the screen pointing out in the waistband of my pants over my right kidney. I put my wallet in one of the 3 rear pockets of my biking shirt.

I don't like to carry anything heavy in the bike shirt pockets as it pulled the back down and the front of the shirt up. If you ditch your bike bag I might be interested in it.