We have our own version of Owner's Locker too - it's a big Rubbermaid Action Packer. It seems more sturdy and larger than an Owner's Locker (we've checked them out while @ WDW, when we were considering getting one). It sits stocked with all
DVC stuff during the year: small grill, ponchos, beach mats, beach chairs, Disney misting fans, light spinners, etc.
For the car, we have a console cooler, which is great for holding water and juice boxes. As well, we have snack bags with our snacks, and kids each have a small tote with their toys and such. We have a minivan, and luggage is in back, with our Action Packer and stroller, so it's all very neat and tidy!
We are great packers, and only bring the necessities with us. We don't overpack at all, and if we forget something, we pick it up at Target or
Walmart on the way. Just as mentioned above, we first took too many snacks for the rode (the 3 of us have low blood sugar), so now we don't pack as much. We love to get out and stretch at Target or Walmart, as we can buy new snacks (we are Canadian, and don't have many of the same snacks), and kids get a new toy or book - it works out great!
Tiger