Actually, I've been known to go out on a quick errand run with my driver's license, my ins card, and debit card, leaving my bag at home.
As regards nails, mine grow like crazy, but are heavily ridged due to the connective tissue/fibro stuff. I keep them quite short as they get in the way on the keyboard.
I keep one, usually my left, thumbnail a bit longer as I use it for peeling labels and a various other "tool" sort of things.
I also touch type, but don't quite do it properly, so only use my right thumb on the space bar and my left little finger on the shift key.
At 70 wpm when taking it easy, I'm not going to try to fix it.