I’ve had handlebars and brake levers get bumped out of position in crashes/hitting potholes at speed, I’ve had spokes break and wheels knocked out of true by bad road surfaces, I’ve had to adjust saddle height, clear position, etc on the road and on 2 occasions had to remove a rear derailleur that got caught in the spokes (once mine, once another guy’s). I could have resolved none of these issues without a spoke key, Allen keys (4, 5 and 6mm), screwdriver, chain breaker, all of which are included in my multi tool. My current multi tool even has tire levers, so my saddle bag nowadays contains it, a tube, and snacks.
yeah, I like having a multi tool.