Tennessee State law requires that the driver have a valid driver's license in his possession at all times while driving on public roads. The same for handgun carry permits.Driver license? I don't worry about that much unless going considerable distance from home.
Vehicles all have a copy of insurance card in the glove box/console.
If I think there may be a chance I'll need to drive somewhere for parts, I do take wallet which sometimes leads to similar frantic searches the next time I'm looking for it.
I'm old fashioned and have 'town pants' and 'work pants'. The 'town pants' have wallet, pocket change, money clip with a few small bills, and the usual array of holster, knife, and 'towny' stuff.
Last week, I went to town for the first time in 7-10 days( maybe more, the days all run together) and stopped to get my usual chicken nuggets and senior drink @ BK. I felt my money clip and it held a single bill so I pulled out the wallet to bolster the money clip and found only $100 bills in the wallet, . OH CRAP. By this time I'm already in the order line but when I pull out the money clip, the single bill turned out to be a $5 rather than the anticipated $1. Good enough.
When I returned home, I checked my stash for a resupply of small bills and found it empty. Guess I'll have to hit on Grouch Attack for money exchange. She doesn't GIVE me pocket/lunch money, she exchanges small bills for $100's. I have much less need for pocket change/lunch money now that I'm no longer away from home 2-3 days per week.