Saddlebags hold a surprising amount of stuff! Small frame bags are also a good option.

a backpack. that way, i can put in a raincoat, a sweater, groceries, whatever else i might need

I'm usually wearing cargo shorts, so evening stays in the pockets. I don't care for wearing a backpack if I can avoid it. A saddlebag is nice if I have to pack a laptop.

Key ring that clips to my belt loop. Sometimes I do a fanny pack.

Never in a hoodie, learned that lesson.