Here's how I leave mine loaded all the time:
Not nearly as full as other people carry theirs, but it has all the basics covered and still has room to adapt to whatever I have planned. I can stick a bottle of water and a sammich in the empty pocket and I'm ready to spend the day walking around town taking pics. When I went to visit family for Christmas the "empty" pocket contained the 100mm macro, the 50 1.4 and the chargers for both the camera batteries and the AAs. in the pocket on the back of the bag I keep a large plastic trash bag. Keeps me from having to lie in the mud to get down low, makes a good rain cover if I get caught in a downpour, etc. I also keep ball bungees attached to the D rings so I can strap a monopod to the top as needed. The zipper pouch in the top flap has a small notebook, pen and some business cards stuffed in a ziploc bag.
The "accessory pouch" is actually a "detachable medical pouch" made for soldiers. There's a matching velcro panel that can be attached to different things and in an emergency (i.e. the soldier gets shot) his buddies can tear off the medical pouch and easily get to the contents and patch him up. I have the velcro panel attached to my backpack and all of the "important but small" stuff inside. When I move between the Domke and my larger backpack I just grab the accessory pouch, the camera and the lens. No worries that I'll be out in the middle of nowhere and realize that the item I need is in the other bag. And the straps that are meant to keeps the bandages and such in place keep everything organized.