What do you carry and how do you carry it?

[Trek420]

I think I travel fairly light.

Any ride:
under seat bag:spare tube, tire irons, Alien multi tool in a baggie so it does not puncture tubes, patch kit, torreli mini-pump, CO2 thingy, teeny tiny first aid kit (bandages, moiste towlette, sunscreen).

Back pockets left to right: left pocket: clothing items, arm skins and or vest once I warm up, spare gloves like full finger if it's cold, middle pocket: food as in spare Luna bars from Cindysue, gorp, hammer gel, right pocket (is this too obsesive?) mini wallet with copy of driver's license and insurance card, cash (not a copy of cash) ATM or charge card, cell phone. tiny pocket knife.

On my bod: Road ID with contact phone numbers and location of ID (right rear pocket).

In my helmet: sticker with my name and address, thinking of adding "If you find me lost drop in any mailbox, return postage gauranteed."

On the bike: 2 water bottles either both electrolyte bev of choice or one EBOC & 1 of H2O. Road bike has gizmo to attach my HRM, and Cateye wireless. MTB has no gizmos but a couple of lights.

Commute add: back pack or messenger bag with blinky things, full size pump, small towel, clean shirt.

Long and or hot rides subtract the back pack and add:
camelback with water, no luggage in it but does have cords I could strap a vest on etc.