I'm embarrassed to say what I don't carry...stuff that I used to carry to be better prepared, but I've become abit lazy.
And I've been cycling regularily for past 17 yrs.
One thing for certain, I do always carry...U-bike lock, 1 Kleenex (terry cloth patch on cycling glove isn't good enough and I can't do the snot rocket thing), keys, 2 bungie cords and wallet (with money & ID).
I seem to never have a map when I get slightly lost on the odd occasion in a city ..oh well. It doesn't compare to getting lost on a mountainside (surrounded by other mountains) while snowshoeing and when the sun will go down in 1 hr., far more scarier experience.
Depending on the weather forecast, of course to carry raingear just in case.
Contrast against my dearie who does carry a pile of stuff all times...including 10 bungie cords. I pannier is rather heavy (to me). It's just amusing to watch him pull out the tangled wad of them, to find the pair length that he needs. He insists on carrying all his bungie "options". Whatever.



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