My aim was not to carry a hip pack at all, so now i can fit my phone / repair kit / car keys in the bib pockets. I simply wear my usual baggy mtb shorts (shell only) and jersey over the bibs, padding on the bib liner is pretty decent too.
Reason I ask is that on-bike storage is so good these days that you can usually get away with not having anything on your person and everything on the bike.