I guess for me I try to plan for what I'm going to do and suffer that I can't do everything. Am I always ready, for any situation - NOPE - and I like it that way, it's realistic. Regardless of sphere, there is a limit to what you can do and carry at any one time.
If I just spent the morning scraping along on the docks to get some information out of the workers there, then I don't mind making a pit stop along the way to change into something more presentable before heading off to the academy to chat with some bookish clerks and bored nobles.
I agree more bank slots would be great, in-city apartments with expandable storage would be nice too. Perhaps something tied to one's faction - making it available to all spheres that way. One needs a base-of-operations to work out of for any effective campaign.
As to what you can carry, as levels increase, size of bags seem to increase and I expect as expansions/patching continues that we will see this continue. One of the primary reasons I was excited by Vanguard is the 'minimal' amout of suspension-of-disbelief needed for immersion. If someone is 'walking' about with adventuring gear (with the extra weapons/armor for special situation) , crafting supplies, harvesting gear & harvested resources, quest items, and 7-9 outfits for diplomacy - I want to see a wagon(s) not a backpack.
