...unfortunately, work/school/gym/rugby pitch/parents' are all a little far from my home, so I have a little planning, but the usual stuff as I leave for all day: sport stuff, lunch, work clothes, books n papers, shoes... That's most of my planning but it can get pretty tricky sometimes!
I don't usually have a toolkit: sometimes only my multitool. Never too far from home, always in the city, so if I'm really in BIG trouble with my bike, I'll lock it somewhere, take the bus home and leave earlier in the morning to fix it/bring it to shop. Do I have to say thievery is not a big problem up here in Qc city (except at the University, but even there.... )???