Oooh, for day to day use I like the bottom one in your list.
I use something I picked up at a Wilsons Leather outlet. I wasn't 100% out at the time so we used the excuse of it was to hold my son's type 1 kit (extra infusion sets, lancet and cartridges, insulin bottle, test strips, emergency candy, etc.) in the back slot. It worked great for that too until he started becoming a pack rate and went to carrying two spares of everything and then it didn't fit anymore.
I keep my wallet, meds, neosporin, and makeup in the front pocket. The zippered divider is where I keep my important paperwork - name change order, therapist carry order, and until swelling goes down Dr Z. statement of facial surgery, when I had to carry the $$$ cashier's checks for Dr Z. and Lisa they went in there too.
I still use the bag though because I can easily put my kindle or iPad in the back. I keep our car key in the top flag zipped up since it is keyless, and our truck keys in the big pocket. I like to carry my really nice cross fountain pen I got at like 90% off from a Cross sale in the pen slot. I only use the phone pocket when I don't have jeans or slacks with a good pocket (and I'm mostly a jeans girl). This is my day to day bag, an external party would be nicer of course, but we usually host the stuff here so it doesn't matter.
It comes in brown or black, but I liked the brown better. BTW ignore the list price. Wilson's is one of those outlet places that is always running some sort of sale. I think I gave like $28 for mine.
Wilsons Leather Messager Bag