Well here's mine, everything is pretty much whatever it came with. I did add a generic Schwinn computer and light, Planetbike Super Spot light, Cateye LD1000, and Specialized saddle bag. The 'Specialized' strip and the zipper outside liners are reflective. I keep a spare tube, Wrench Force CO2 Quick Shot with 4 canisters, and couple tire tool.
I sighted the planetbike light for about 10 yards or so while the other one was about 5 yards, not bad at all. I rode 40 miles last Saturday, no problem with discomfort at all!