Saddlebag:
Park multi tool
1 tube
Patch kit and numerous left over patches from other kits.
1 allen wrench that my multi tool does not have.
PSI gauge since I tend to pump up my tires at work.
Spare cleat bolt.
Jersey:
Mp3 player (Gasp!)
Cliff bar in the morning.
Bus ticket in the afternoon
cell phone.
I won't even start with my commuting pannier(s).