i ride to work in the hottest part of the day and then ride home at 3am when it's cold out, so i usually have a thicker pair of gloves, a face mask, and maybe a pair of long underwear in my saddle bags.
aside from that i have my tool kit, a flashlight, bike lock, and a knife. i keep my rain pants in there as well if there's any chance of it raining on me.
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