This is more difficult for women than for men because the clothing manufacturers refuse to put reasonably sized pockets on women’s clothes. I have a small bifold wallet I use when traveling and it won’t fit in the pockets. My phone definitely doesn’t fit in the pockets. About the only thing that will fit in the pockets is a house key or car fob. It’s so annoying, especially when I am specifically looking for the largest pockets I can find.
When I go to Disney, I take two or three different sized bags, and carry the smallest I can based on what I need that day. If it’s sunny and I just need my wallet, phone, and a few hand wipes, I have a very small crossbody that just fits those items. If I need to add a poncho to the mix, I have a slightly larger crossbody. If I need the poncho, and umbrella, and either my DSLR or a lot of backup phone charging stuff, I have a larger crossbody. Having the different options makes it easier on a day to day basis in the parks, and I can wear the crossbody bags as a waist bag if I don’t want the pressure on my shoulders.