Ye Gods I am a packrat!
Here's what I carry on my recumbents all day every day. What do you carry on your utility/transport/all weather/all times of day bike?
https://imgur.com/t4haUsO cos I can't get the link working!
1. Abus armoured cable. Goes around bag (under handle and through rings attached to zipper) through back wheel and rack. I'm not worried about steal to order and this will deter joyriders. A thief with a knife will have the bag but I think that's not a real worry in the areas I leave it in
On the left is the Stuff I Find Useful
2 to 5 are the electrics in their green bag. A set of cables for different USB plugs and a power bank. A spare set of front and rear lights because even with e-bike lights (trike) and dynamo (bike) bad things happen. And you do not want to be out at night in the wet with no lights!
6 is a stuff bag - unpacks to quite a roomy dufflebag with strap. For when you are out without your normal panniers and you need to carry something for some reason that won't fit in the racktop bag panniers.
7 to 12 are the Orange Bag of Useful. Gloves and armwarmers, a reflective armband, sunscreen, the filthy rag that didn't used to be so filthy, and a cable and padlock for locking up something that needs it.
13 is a set of clear glasses for night time. Swap with the sunglasses I usually use.
14 is the shoulder strap for the racktop bag so I can remove this lot from the bike/trike if it will be parked somewhere unsafe for a while.
On the right are the tools. Remember that this bag is used on trike and bike and of course you need different tools!
15 is a multi tool. Heavy bugger and I am not really sure why I carry it, I think because one day I discovered something that I couldn't get to with the ratchet set.
16 is mainly used as a general prybar although it also is a 15mm spanner for rear wheel on bike and trike.
17 is a bit hard to see. a hank of venetian blind cord (tougher than string and cheap) plus the key for the trike battery. There's a spare chain link, a chainring bolt and a stray 6mm bolt there too.
18 is an allen key for the bike because none of the other tools fit that one spot...
19 is a spanner and a small shifter mostly for the trike. There's a 15mm there too which is probably surplus now I have the lever thing.
20 is the ratchet and its bits. Don't use it that much but loooove it when I do!
21 is the puncture kit. Levers, patches, glue, scraper, and the thingy that undoes the not-very-QR front wheel on the bike.
22 spare tubes. presta 26" for the bike and schraeder 20" for the trike.
23 pump. This is a really nice one, can be a trackpump style or old fashioned style, has a long cable, head fits in tight places such as a 20" wheel with a large electric motor in it because of the screw on not lever flip design, has a gauge, easy to swap between presta and schraeder.
Missing from the collection are a couple of webbing straps which were used the other day and are in the Arkel pannier and a roll of duct tape to replace the one mostly used up for a non-bicycle reason.
Each of these things is a result of one day not having something I needed. But if you are moving between bikes and you don't want to have to think about the weather or unpack and repack then well... you end up with a large racktop bag full of stuff you almost never use but one day might be very glad you have.
(Mind you, looking at the tools you can tell I used to ride Elderly Italian Motorcycles! It is ingrained in me that things will vibrate loose or off)
I thought I was the master of carrying too much crap! 
I bow in homage to the king! 
One day we had a group of 10 or 12 and we had a few mechanicals in quick succession. My trusty multi-tool and leatherman saved the day. 
