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Wallet
Phone
Combi tool
More water
extra layer
Tube
Pump
I have (fairly recently) got the one-up EDC tool. combined with a frame mounted pump, that covers all repairs and adjustments that can conceivebly be fixed, with the exception of a shock pump. I've had the car of shame once, 5 broken driveside spokes.
Riding somewhere rocky, or if I'm a bit wary of a newly installed tubeless tyre, I'll add a tube strapped to the frame.
My frame takes a large bottle, that will do me 2-3 hours in most weather conditions, especially with hydrating before hand. My long ride from home, I know where there is a free water tap.
Phone goes in pocket (with applepay) will occasionally take credit card and/or a note too. Wallet hasn't left the sock drawer since last year, biking or otherwise.
Clothing-wise, look at the weather forecast. yes, this will take a bit of trial and error to know your body. If you get cold, pedal faster. If you get to hot with a jacket on, with no backpack restricting the airflow around the sides and back, opening up the zip has a great cooling effect. No pack also means you wont have a soaking wet back of your shirt.
@Van Halen There isn't a right or wrong answer to this. I know some folk who can get through 2 litres in 2 hours of riding, and TBH the best answer for that is a bladder on your back. my GF likes to have a couple of layers with her, a back pack is the right answer for that too.
@Van Halen - I used a Camelbak Lobo on the YD300 last month as I knew there were long gaps between potential watering holes so having 3 litres meant I didn't have to stop at every, potentially stagnant, beck. Ten days ago on the Cairngorms Loop I took one 500ml bottle.
As for multiple bikes - I have a set of kit for each so the right spares (mech hanger, quicklinks, etc.) are on the right bike. It's not that profligate really, I use common hex bits on a 5mm Allen Key - there's only a few sizes needed on each bike plus a Torx for the rotor bolts. Everything in the shot below and right of the Tubolito, plus the nitrile glove, goes in the tin at top right.

Pump on frame, Leatherman Squirt, chain tool, Tubolito, tyre lever, tyre boot and zip ties in top tube bag/Jerry Can. Top left is the Sahmurai tubeless applicator which goes in the bar ends.
"bike mounted stuff is fine but what happens when you have 3 bikes you use fairly regularly?" - All my bikes have tools that go with them. I only have one MTB though
"what do you do with a coat or hoodie when you get hot/cold?" - diff options for different bikes. But that's what a hip pack is great for. I also have the Backcountry Research super 8 on my MTB, useful for storing stuff like clothes. Rarely used for my own stuff, usually for when out with the kids and they decide they don't want their jumper on
For multiple bikes I have an appropriate tube taped/strapped to each then just a bumbag (the little camelbak one with one bottle holder, I forget the name) with multitool, pump, etc. Bag and bike are always ready to go. With a bottle on the bike I can be fine for 3-4hrs and a light jacket fits with some persuading too.
Longer rides, or just more kit needed, I have a bigger bumbag with bladder or a pack for days out.
I don’t take my wallet now, prefer to tuck £20 and a bank card into my phone case.
Yep, confused by the wallet suggestions?!
One thing I have to ask.
Those that use a frame strap, why not use a small saddle bag ? What's the advantage of a strap ?.
What’s the advantage of a strap ?.
A saddlebag or strap on the seat rails can hit the tyre with a dropped dropper and compressed suspension. They also get covered in muck off the back wheel
Edit: and your choice will be limited to those that don’t hamper the operation of a dropper
A saddlebag or strap on the seat rails can hit the tyre with a dropped dropper and compressed suspension. They also get covered in muck off the back wheel
Edit: and your choice will be limited to those that don’t hamper the operation of a dropper
And things in a saddle bag rattle about.
My saddlebag is tiny and fits a fair bit in it. I would imagine a bag would have to be mahoosive to hit a tyre.
I suppose a strap keeps stuff more out of the mud if fitted appropriately.
Can Helen. My answer is to swap the frame bag
Bumbag with 2l of drink spare jacket, 1st aid kit and snacks. Tube on frame, pump and multi tool integrated into bottle cage and a keg in bottle cage with spares
1 or 2 water bottles on frame depending on expected time riding and weather.
Spare tube, tyre levers, co2 and co2 pump in a louri strap on frame.
Pump attached beside bottle cage.
In pockets have a couple of nakd bars and gels.
In a small packet in pocket I have tubeless repair kit, tube stickers and quicklinks.
Minitool, first aid kit and waterproof in back pocket.
Phone in thigh pocket and a single door key on a lanyard in rear pocket.
Have ridden for 4+ hours with that setup and know approx 5 water refilling points (canals have them every 5 miles or so) which I can use if I go out for an extended period.