If knight was visibly wealthy one, he would travel with retinue of pages, serfs, and other people, so he wouldn't have to worry about carrying all his stuff at all.

And lance, apart from being always dreadful weapon from horseback, would also be good heraldic/show off accessory with flags on the top etc.

Especially, while he was, for example, traveling to take part in some big tourney, when showing off was pretty much basic idea.

Poor knight, on the other hand, could have quite often find himself in such retinue as one of follower, so in such case being armed and ready would be simply obligation to his liege in such situation, as guard, entourage etc. where one should present himself well too.

So it all depends on context, really.