Tools are in the fork bag up front.
Saddlebags hold rain gear,bungee cords,first-aid kit,LED flashlight,mesh and plastic bags to hold goodies I find along the way,extra socks,skivies and tee shirt,coffee thermos,snacks,meds,maps, a book or two for reading while relaxing under a shade tree,one of my handheld ham radios that also has broadcast FM and public service bands for keeping up with weather conditions and whatever else I may want or need.
Spare smokes,cell phone,note pad and pencil(remember ink does not work well in cold weather and dries out over time!) and a kick-stand coaster are in the windshield bag.
Also carry a "bungee net" in the saddlebags to hold stuff on the seat when bags are full or items don't fit in the bags.
Overkill you say???