I carry extra tube, pump, cell phone, small tool kit, $20, and I have put all my contact information in saddlebag and in helmet placed under a few strips of see through packing tape.

I got my lbs to show me how to fix a flat and at least one bike shop in stl has "women only" classes (one of the bike managers at that shop posts on here too) - the reason I am saying this is because it might relieve your anxiety to take a short class like this or have lbs show you and then practice at home - well before a ride in case it doesn't work (but it will). (the pracitce at home with a perfectly not flat tire was odd for me - but it worked - I took off tire, dflated tube, took it off and then put it back together again a few times in the comfort and safely of my own home - the only problem came from dogs who thought I needed their help)