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@johnnyhotdog
I was just thinking the same thing. Let me empty my pockets:
In the wallet is a bank card, a credit card, money and a picture of my girlfriend and not in the picture is my phone/camera. (A smashed Galaxy S3 mini.)
When I go for a proper ride, I don't bother with the d-lock or wallet, I just have money, my bank card and some basic tools/puncture repair stuff in my jersey pocket.