Heres a link to a
tool kit thread .
I have hard bags and dont mind dedicating the space to the kit especially on long rides to areas that Im not familiar with.
Havent had to use it yet but I know I have it if I do.
BTW...working on the bike for the last 3 years has given me a good idea of what to have on hand and this forum has given me the idea for that oil filter and headlight bulb (which only go if Im going overnight).