I've tried the organizer things, but I am terrible (terrible!) at getting things in the pockets. My purse is often less than optimally organized.
One thing that i have found really helps is little pouches- I have one that I use as a wallet that fits my cards, change and pass for work, and one for my chapstick/hairpins/random beauty stuff. You can orient the strap of a wristlet towards the top of the bag so it is easy to get at. Something like #1 with an outside pocket (for easier metrocard access) might work?
I also keep my keys on a carabiner. I can hook it to the strap of my bag so the keys sit inside, but are attached to the top of the bag instead of migrating to the bottom. It isn't the most elegant solution, but you can hardly see it and it is SO convenient.
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