in my saddle pack/pockets, I typically have, multitool, wrench tool that has like 10 sizes of box wrenches on it, 2 tire levers, spare tire, patch kit, cotton ball for finding small things stuck in tire, bungee cargo netting for if I find something I need/want to buy (like the donuts I made the excuse to go out of the house for a 2 hour ride early saturday morning), keys, cell phone (prepaid tracphone, I don't do a cell in general, just for emergency type things - no one has the number), a map if I'm going somewhere I haven't before or think I might, wallet with small amount of cash, credit card, drivers license and insurance card, and water. Oh and chapstick. I'm a chapstick addict. Yeah, I'm an overpacker.

Edit: forgot to include nitrile gloves. I don't go anwhere without them anymore. Too many rides ended with black hands (and face when I scratched my nose) before I started that.