This sounds like a lot but I've used it all on rides or wished I had it when.

Seat pack: 2 tubes, each in separate baggie and dusted with talc. Tire irons, set of wrenches and multi tool. A small baggie with copy of driver's license and insurance card, short stubby pencil, and couple of 3x5 cards in case I need to write anything. Oh there are a couple latex gloves and a patch kit for tire changes, and a couple sealed moist towelettes for clean up after that tire change.

On my handlebars I have a very small bag for co2 inflator, cartridges, pocket sized pack of kleenex, and cell phone. Maybe a granola bar if I'll be out for a long time. I currently like Trader Joe's Sweet, Tart, & Savory . Yumm. If I wear a windbreaker I keep the cell in the front center pocket. Otherwise I don't like stuff in any pockets except for the trash - all those used kleenexes (I sneeze a lot).

I wear a fanny pack to carry some $, some first aid stuff - advil, benadry, sudafed, bandaids, neosporin, and my other glasses. Why can't I find a decent pair of wraparound sunglasses that will fit over my regular glasse? I wear a Road ID on my ankle.

2 water bottle cages on the tubes, with frame pump. In summer I wear a camelback...I must have COLD water. I half-fill the camelback and keep it in the freezer. When I ride, I top it off with fresh water and 3 hours later I still have cold water when I want it. I still carry the water bottles though since you never know if you (or someone else) are going to spring a leak or need more water for whatever reason. My camelback has very little room for extra stuff.

I have a canvas tote bag that I keep all the rest of the bike toys when I'm not riding so it's always together. I have an assortment of neck gaitors, ear warmers, balaclava, my collection of gloves, cue sheets, map holder, cable and lock, etc. so it's pretty easy to get ready for a ride. Everything has a place and I can quickly pick and choose what I need on a given day.

Martha