This is something that just occurred to me. I've been getting by with the bicycle for a few weeks since my last beater died, trying to get some old debts paid off before I dump the cash on another one.
By default, I've got the usual on-body resources; pocketknife, lighter, and usually some 65lb SpiderWire line sewn in here and there for emergency clothing repairs. In the saddlebags, I have one of the cheap spork/can opener tools, a shemagh and an extra reflector vest in case I'm out in low visibility without a hi-vis t-shirt. Seat bag has a spare tube, bike multi tool, and a better patch kit than the one that came with the tool. Depending on destination, I'll have a clean company shirt, some snacks, a soda or two, etc. plus usually a grocery bag or two to wrap up non-waterproof things in case of rain. I try to keep a full bottle of plain water in at least one cage, though the other may be Gatorade, lemonade, soda or empty depending on planned distance. (Daily commute is just under 5mi each way, mostly in town. Mom's place is 6mi, mostly out of town. Most stores are between home and work. Haven't done any touring lately, so mom's is as far out of town as I'm likely to be most of the time. If touring, I'd generally have a lightweight camping setup, so short term "survival" on a tour would just mean camping somewhere other than the intended location.)
Obviously, if the bike becomes non-repairable, it's got a few good resources to be cannibalized, but I'm trying to decide on adding a few other small items for a day-to-day emergency kit. There's roughly enough room left in the seat bag for a pack of cigarettes, and that bag never comes off except for seat adjustments or repairs. There's space in the other bags, but I do occasionally leave them off when I don't expect to need them.
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