Originally Posted by Warin
The only things you want to carry on your body are things that will crush before you do. E.G. Hanky, muesli bars, ear plugs...
The things you want quick access too, and don't want to leave parked on the bike should go into your tank bag. E.G. Phone, wallet, camera, pens and paper, maps, sunscreen, sunglasses, lip balm...
What if you're riding alone and get separated from your bike and are immobile after an accident? Thrown over the side of a hill in an isolated area say, perish the thought! I think it makes sense to always have it in a pocket.