Joe-
One thing that helps me is to remove some of the padding from the inserts. The satchels have padded sides, so by pulling some of the foam from the inserts you can gain a little room, while still being compartmentalized.
I do agree that the inserts are not sized the best for RF's- they seem to be designed around SLR equipment- and indeed the compartments were perfect for my F4's and chunky SLR zooms. When I was shooting stock these bags- the F2 and F1x (I think- the 'little bit bigger' bag) were without equal. For my current needs the F2 is my usual bag- I've been carrying 2 M's and a Contax G2/21 set-up, The M's with a 50 and 35 attached, and a 90 in the bottom of one insert. Exposed film goes into the bottom of the middle insert, fresh is in the end pockets. I carry the Satchel on teaching days- (too much else to carry) with just the 2 M's as above, and yes the fit is tight. I'll agree that access is harder with the satchels, but I tend to carry the cameras out of the bag while working- one on neck and one on shoulder- keeping the bag for film & the extra lens or the G. So I usually 'unpack' the bag at the car or at the office and then head out. I very much like that the bag is so compact when I'm carrying it and not shooting- at the market etc, and still can carry most of what I want to have with me.
I also have several pieces of foam cut to fit in the inserts- to go between lenses or between a body over a lens. This gives me some peace of mind when carrying lenses out of the cases.
Hope you settle into the bag as I have.
-Bob