My bike's out for the count for a while but here's what I carried:
On my bars I have a cyclocomputer, a halogen headlight, and a bell.
In one bottle cage is the battery for my headlight, in the other a water bottle with either plain water or 50/50 water-sports drink mix.
In a very small seat bag - patch kit, bus scrip, tire levers, multitool, housekeys.
Cable lock wrapped around seat post.
Rear light, full wrap fenders.
Cargo net wrapped around rack.
I never carried an extra tube because my seat bag is so tiny, but when I commuted all the stuff from the seat bag got put in the pannier instead as well as an extra tube.
I haven't got a frame pump but would like the Topeak Road Morph eventually. We had a pump at work and I have a floor pump at home, so I didn't worry too much about not having a pump. The one time I needed it, a fellow stopped to help me out and he had one. Plus I haven't traveled anywhere that I couldn't get a bus home from - I'd feel differently if I was at all off the beaten track!
The rack with the cargo net was great - I always had it available so if I bought a pair of shoes or a bag of groceries I could attach it to the rack at any time.
Edited to add this important note:
I NEVER ride without helmet and gloves!