Hardly any planning. I have a 7km ride to work (4.35 miles). I wear a dry-weave t-shirt and berms, grab an extra t-shirt, throw it in the trunk bag (or panniers depending which bike I am using) and off I go in one of my folding bikes.

Temperatures here are hot and humid all year round, so even a 7km ride will make you sweat, hence the change of clothes (I do not need to be in office wear at work).

I have a multitool but no patch kit or tubes. Because if anything happens to the tires, I just fold up and and take public transport. I eat lunch outside (most people do not pack lunch in Singapore, we have cheap food at every corner).

I have spare clothes (long pants even!) in the office, in case I need it. Usually because I have a meeting with clients.