carbon mini pump
inner tube, sometimes 2
tube repair kit
tyre lever
tiny co2 inflater + 2 gas cans
multi-tool
kmc quick link
small square of old groundsheet to fix side wall slash.
phone
bank card
house key
energy gel/bar
couple of zip ties
length of gaffa tape round pump
Probably overkill on the puncture department but I usually ride when no one is at home to rescue me and I don’t fancy a very long walk home in carbon soled shoes all in back pockets/under seat pack. I’d love to go out with a phone and nothing else but I prefer to be self sufficient.
saddle bag looks the way forwards as i am loving the free feel of nothing on my bike! So why do you want a saddle bag then?
Oh and don’t buy a lezyne saddle bag. I bought one last week, looks great but is worn through at the top where it rubs on the saddle – that’s after one 100 mile ride. Oh and its got a stupid piece of card at the top that won’t go back in when you accidentally pull it out.