I personally ride for fitness, not speed, so I have a rack with a large trunk bag. I carry a bicycle tool kit, a patch kit, a spare tube, a screw driver, a CO2 inflator with 2 spare cartridges, a road morph pump, emergency food, 2 full water bottles, a small first aid kit, a space blanket, and an emergency rain poncho.
I did used to carry a crescent wrench and vice grips, but I have scaled back.
I carry more on long rides through remote areas...
All that to say... I am not going to carry all of that stuff on my body!!!
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Slow Ride Cyclists of NEPA
People do not seem to realize that their opinion of the world is also a confession of character.
- Ralph Waldo Emerson