I don't carry any tools ..... have thought MANY times that I should have some 'basic' things. But I don't even have the tool bag mounted on the bike. I used to .... but the only thing I ever put in it was a bottle of water :-O
I carry, credit card, cell phone, and having towing service which include lodging cost if more than 200 miles from home.................
I've used the towing service once. Last year. I went up into VA a year ago last Oct. ..... I still had the stock battery in my bike (year 2000 FXR4 ya know). I told my wife before I left that I should replace that battery. I was camping out ...... it got down into the high thirties the first night out .... the bike wouldn't start in the AM ...... called for service. They came and got me, they will not transport batteries ..... put the bike in a trailer and hauled me to the nearest HD store. Put in a new battery and I was on my way.........