My thought is that no one has designed the perfect camera bag :)
I have a crumpler that is just big enough to fit the hassy, film, tubes and light meter.
Brilliant, except it won't fit my cardi, keys, purse, diary, book, pen, misc. make up, lip salve etc, gloves, hat, phone, holga etc.
And it's not got a zip right on the top or any outside pockets.
I end up having to take another bag too which is frustrating.
Think I need to get one of those internal padded thingys that you can put into any bag.
Good luck though :)