Retainer 1 has equipment and materia
Retainer 2 has expendables (food, medicines, bait, etc) and dyes
Retainer 3 has fish, other food ingredients and stone crafting materials
Retainer 4 has all the other crafting materials.
I don't stock HQ materials because I need them so rarely. HQ materials I get in the course of play get sold immediately. NQ intermediate materials that I'm not buying from an NPC vendor or the Market Board because of expense I generally craft in bulk with Quick Synthesis so I don't have to keep switching classes and just pull what I need from a retainer. Gathered/dropped items that I feel the need to go out and get myself I will spend 30 minutes to an hour gathering to get a stockpile the same as intermediates. When I do buy something from an NPC vendor, I'll usually buy a whole stack of 99. The object is when I need to craft something I can just pull materials from my retainers.
Note that any time the game shows you an item (as a recipe ingredient, as a requirement for a quest or mission, on the Market Board, whatever) you can right-click and select to search for it and it will immediately tell you if you have it and if so, where it is, including your retainers' inventories



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