This might have been already discussed, I forgot - serious question regarding cycling gear of the skin-tight minimal-storage variety: What do you do about everyday carry essentials (full-size phone, fabric-mauling bunch of keys and a non-minimal wallet at the very least)?
Phone with NFT/Apple Pay fits into the jersey pocket without problems, use grippy phone case.
Keys - get a set of essentials to minimize size or put them in key case.
Wallet - reduce to a small amount of cash together with key case or fold it underneath the phone case.