I have a collection of some really lovely bags and wallets, I went from a tote to a shoulder bag to a crossbody because I prefer to be handsfree, but got so irritated fighting with the crossbody strap every time I tried taking it off with a coat on, dancing around trying to unhook it from the underside of my hood I now just put my cards in a card holder shove my phone in my pocket and that's that.
I'd love to enjoy carrying a bag again but I carry so little I don't know what would work!