I hate schlepping the cooler bag. And I don't commute!
I don't carry much of anything that requires any preparation; my cooler bag is usually full of prepared foods, foods that don't require much preparation, and snacks. I figure that if I'm stuck in the airplane (or on a short turn), then I eat out of the cooler bag; if I'm at a place where actual hot food can be acquired, I'll acquire it there.
One of my Captain friends will cook-and-freeze, and when he goes inside to retrieve paperwork he'll chuck it into the microwave, then into a neoprene sleeve that keeps it warm while we do pilot stuff. The smell of the chicken at top of climb makes me want to eat the checklist.