Those of you without a Sergant seat, where do you keep your registration and insurance?
I have a Sargent seat.
I keep my license, registration, and insurance in my wallet. And the wallet is in a fanny-pack that goes in my pannier (while I am riding the bike).
I should also mention I don't keep my bags on often.
That is a good mention. In my case, I *NEVER* remove the bags. It is precisely the type of reason why I have a Concours. Now, if I didn't have panniers, I would have the wallet in either one of three places while ridding- my jacket, my pants, or a fanny-pack.
I would NEVER leave anything with my personal information, unsecured, on or in any vehicle, if I were not using/in/on the vehicle (security/privacy). Under the seat? Perhaps, but not very convenient. Glovebox on the Gen C14? Possibly, since it locks. But I leave that completely empty except for spare keys for the helmet lock and Sargent Pod, since the panniers are all I need.