i dnt have bags but a fat crescent is it very useful thing to carry. Good for smashing things like heads and windows, yet versatile enough to fix your bike

Im in downtown riverside. gotta lotta "lala" out here. lotta junkies.
yeah definitely a fat crescent wrench, first-aid kit, hoodie, water, and a small dish...stray dogs are always super thirsty!

Great stuff.  Thanks all!

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???