Bike (trek 520):

-pump
-saddlebag
-2 ortlieb panniers
-full fenders (soon to have mud flaps)
-rear rack
-custom built rack bracket that holds two Mars 4.0 taillights
- wheel reflectors
- reflector on rear fender
- Nite Rider Mini Newt Dual X2 headlight
- incredibell
- bento box w/ garage door opener inside

Saddlebag:

-Tube
-Patch Kit
-3 Tire Levers
-Multi-purpose tool

Pannier #1:

- Laptop
- Cold weather layers if needed.

Pannier #2:

- Change of clothes (pants, shirt, socks, belt, underwear)
- Shoes (if needed, usually I leave them at work)
- Toiletries (if needed. I keep the shower kit at work. bring in replacements as needed)