I have to confess that I use a saddle bag on my road bike.
I didn't use to but one day I crashed in the rain going around a tight corner. I had put my house keys in the side pocket of my jersey and as I scrapped along the asphalt on my side and back, the key dug in right where the pelvic bone is. It left a nasty bruise for weeks and totaled my jersey. It could have been much worse.
I since put all metal objects in the saddle bag, away from my tired bones.
I didn't use to but one day I crashed in the rain going around a tight corner. I had put my house keys in the side pocket of my jersey and as I scrapped along the asphalt on my side and back, the key dug in right where the pelvic bone is. It left a nasty bruise for weeks and totaled my jersey. It could have been much worse.
I since put all metal objects in the saddle bag, away from my tired bones.