Not sure of your riding experience, but if your asking what should you add. I would have to guess your a beginner, I would carry
allen wrench set, multi-tool, spare tube, patch kit also, small adjustable wrench, extra batteries for lights, ( I personally carry
a very nice hiking type style first aid kit. ), But I ride in very remote areas, and have needed it a few times. Most important
though, know how to use what you have, practice at home changing a tube, do the back one ( Hardest ), do not wait till you
you really need it, to find out if the pump works, or you have the knowledge to do repairs...Practice at home, during non stress
situations. It will pay off..( Extra cash would be of NO value to me ), cause of where I ride, but in the city sounds like a great
idea...Richard