I am a ROAD rider and commuter
SPARE TUBE, LEVERS & PUMP
MULTI-TOOL
TUBE patch kit
MONEY or CREDIT CARD
ENERGY BAR/GEL/MIX etc
Water
Cell Phone
The farthest (via shortest route home) that I travel in a "normal" ride is more than 20 mi.
If I see someone stopped on the side of the road, I'll call out to them and ask if they have everything they need, but usually they are self-sufficient.