Roll your clothes instead of folding them and pack them into your saddlebags vertically. This creases them less and makes them more accessible. Storing your clothes in plastic bags will keep them organized and dry. Distribute the weight evenly so you're not trying to balance on a lopsided bike. A good place to keep your tool kit and any other items you may want in a hurry is in the smaller outside pockets.
WHEN PACKING, REMEMBER THAT 1/3 OF YOUR SADDLEBAG SPACE MUST BE KEPT EMPTY TO CARRY YOUR SHARE OF GROUP EQUIPMENT AND GROUP FOOD.