Since i now carry a tiny set of very basic tools (basically just for mechanical adjustments) in the right bag's small inner zip pocket, that one always goes with me. Earlier today i adjusted the brakes after my bike fell (unattended shopping cart rolled into it) because it knocked them out of position as well as the handlebars. Tire/tube tools are next on the list.
My policy now is both or none, and i am looking into a SE Tripel with fenders for rides where i don't need or want any cargo.
I do have to say, that after one quarter with this bike after living with backpacks only for 12 years it is nice to put stuff in the bags (including backpack!), especially snacks etc. The big down side is that i can feel the difference in handling, even with a small lunch or 2 bottles of water. It has taken me a bit, but i now have a good feel on how to get the thing turning, mostly by using body weight timed correctly vs handlebars alone.
- Andy