+1 to bar bags. Never needed more than that plus Carradice Barley [for longer/early season events], even for PBP/LEL [and no bag drops - pah!] Not fond of over-stuffed jersey pockets either....
In bar bag: map, bonk rations, camera, headtorch, hat, gloves, batteries, simple washkit, Sudocrem etc. Route sheets in A4 ziplock bags, in map holder on bag.
In saddlebag: extra layers, spare jersey,shorts etc. Inner tubes and spare folding tyre in side pockets. Waterproofs strapped on top [and bag of French pastries on PBP]. Tools in separate pouch under saddle.