It is a good question about where you're meant to put your phone if you have no pockets. This won't work for everyone, but I sometimes put mine in my bra, though not on a very hot day as in the summer I sweated so much that it got into my phone and I had to dry it out in uncooked rice for a couple of hours. I have a spibelt but I hate it, and I don't like putting things in the back pocket of a cycling jersey. All in all, I'd rather wear a rucksack.
It is a good question about where you're meant to put your phone if you have no pockets. This won't work for everyone, but I sometimes put mine in my bra, though not on a very hot day as in the summer I sweated so much that it got into my phone and I had to dry it out in uncooked rice for a couple of hours. I have a spibelt but I hate it, and I don't like putting things in the back pocket of a cycling jersey. All in all, I'd rather wear a rucksack.