Totes drive me mad because, every time I put them in my boot/on a luggage rack/under a plane seat, everything falls out. I used to get a work bag with a zip top but these are now so hard to find (I don't want anything as formal as a briefcase, and I don't want a backpack) that I'm going to have to embrace the tote.
So, how do you manage it? Do you have everything in pouches? Isn't that a faff?