Finally, after a long search, I found the perfect run-around clutch. Large enough to hold everything I need including my wallet, this clutch, by 3.1 Phillip Lim, is it. Another plus, it has a gusset so it sits upright, which is a must.
I bought one in tan and one in black, but the white and navy are good too. At under $300., I think they are a good find.
Metallic loafer pumps
Tan-go patent pumps