I have a rack on my cruiser and a front small bag for most of the tools. I carry a small pump, patch kit, tire levers and a multi-tool. For longer trips I sometimes throw in the day hiking first aide kit. Basically bandaides, ointment, small ace bandage, ten foot of decently strong string, some ducktape, a lighter and cotton balls in one of those lovely heavy duty plastic ziplock bags they 'buy gold' kiosks at the mall throw at you. Those bags are great.
The bag is a re-purposed tiny portable game case/bookbag from Nintendo. It looks like the tiniest bookbag ever and it's padded/water proof. It was also a buck at a thrift store.
The cruiser somehow got stuck with the name 'Suzy'. I didn't name her that. My fiance named his bike The Defiant after Captain Sisko's ship. We plan to paint it up like the real thing this winter.
My commuter needs a name. After she's all fixed up.