I think they covered all the good stuff...

On the bike, at all times are:

Pump, 2 water bottles and in seatbag are photocopies of license and med insurance card in a ziploc bag, tools, tire levers, $10 bill, 2 tubes ziploc'd with baby powder, patch kit, chapstick, one very old clifbar, two napkins ziploc'd (can be used as TP, nosewipe in a serious crunch)

in my pocket I carry a Clifshot or two depending on how far I'm going, keys, cash (the $10 is for emergencies only! like cab fare to somewhere safe if needed), and cell phone also ziploc'd

on my person is helmet, gloves, glasses, RoadID... hmmm... I think that's it.

I wish when I was new I'd known about this forum... sure woulda made life easier!