I carry just enough tools when I am on the road to fix or allow me to limp to a place to fix. As mentioned, tire kits, and such will more than pay for themselves being at the mercy of the less scrupulous.
As mentioned, Most Insurance companies have a towing provision for a very reasonable rate.
Only break down I had was I hit some road debris and it sliced open my oil filer. Duct tape, allowed me to ride tot eh gas station where I learned the value of having a few tools with me all the time.
So when On a long trip, I make sure that I have an extra filter along. just in case, cheaper than a tow truck, fits nicely in saddle bags or fork bags better than a tow truck too. Oh, in case your wondering? When you pull a filter off? The oil does not all run out of the bike, I lost maybe 25-50 cc (ML)
A flashlight is worth it's weight in gold too.
