I've always been reluctant to use a frame bag for fear of banging my knees/legs on it. As long as it isn't. In the thicker part of the bag I can store a spare tube, mounting arms, a multi-tool, a small pump and a set of patches. It may be possible to wear a light jacket when it gets cooler. On the thin side (right) I store snacks. Maybe keep the cards there too if you want.; It is very easy to put on and take off when needed.
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