I forgot my AP at home on one stay. When I went to Guest Services, I asked to get a replacement. No problem, can I see your DVC membership card? Ah, that's in my room, back at BWVs!!! They had to call DVC, put me on the phone, I was asked a bunch of security questions (I didn't even remember doing them when I joined DVC), which I answered. Then, they printed me out a new AP!!! I no longer leave my resort without my DVC card!!! I also carry my license, a credit card, health card, and some cash. When I want to AP discount, I bring it up on my phone.
I no longer worry about going bagless at WDW......there are some things I just want with me, so a crossover bag is perfect.