I think a female requires two bags at the max. One for the daily use. As the daily use bags don't fit on the special occasion, so they must have an extra for weddings, holidays, parties and other special events.
One extra for special occasions is NOT enough. Or would you go to a spring-summer first communion or confirmation or wedding (when most of these happen) with a black clutch - or, inversely, sport a light pink or beige clutch at a funeral?
So, at the very least, even a minimalist needs:
- 1 all-weather bag for work;
- 1 casual shopping/weekend/diaper/beach tote kind of bag, which can double up as travel bag;
- 1 spring/summer light special occasion small bag or clutch (weddings, etc);
- 1 black autumn/winter special occasion small bag or clutch (funerals, evening galas, gallery openings, etc);
- 1 lightweight, sturdy backpack for short trips, sightseeing, extra shopping, to keep in the car with extra blankets, a torch, a map, a spare cell phone battery, water and high-calorie meal bars (if you live in an area affected by snowstorms).
- Luggage pieces, as needed.