I’m more or less the same. It really depends on what I’m doing or going. I semi-solved this issue with a sling bag, which contains the majority of the things I might need on almost any given day, but add/remove things as needed. For example, if I’m going to a sports arena, I can’t bring anything at all, but if it’s a day full of errands around town, I at least bring the bag and leave it in my car.