I posted previously about whether to get a rucksack so it avoids me having to carry carrier bags. I do my main shopping on line but still buy fresh food in between and cat litter if it runs out before my next on line shop. I take lunch to work and carry my tablet and a notebook and always like to have something to do on me.
So I've used my rucksack today. I'm still using my handbag across my body as I don't want to take the risk of someone maybe getting hold of my purse or phone from behind me. The rucksack is handy, I bought some milk on my way home from work and it was handy to put it in the rucksack and not have a bag in my hand. I usually carry a tote type bag with stuff in that I can't fit in my handbag.
However, somehow I don't feel right with the rucksack and cross body bag. I do prefer to have my handbag on my shoulder and carry a tote bag as I feel smarter but it's such a hassle when I end up with lots of carrier bags plus my tote bag when I've done some shopping.
I use a handbag organiser (see www.pereira.co.uk )to hold all my handbaggy stuff inside the rucksack. If you change bags just lift out the handbag organiser and dump it in the new bag. Genius and only a fiver/tenner depending on style.
I have a Kipling rucksack. My phone and keys are in a back zipper pocket facing my back and wallet is inside the rucksack behind a zip and a magnetic button thing. I take the rucksack off when I'm on the train or somewhere busy and carry it. Feels safe to me.