The fabric attachment system is low-tech, but that seems to be helpful, as it can adapt to seat rails of different widths. One fancier option you might see on more expensive seat bags is a quick-release mount that you install under your saddle. But those have a fixed width, and therefore can fit under seats with only those exact specs. Brooks saddles, for example, are too wide for these mounts.
Any bike that gets ridden seriously as transportation or on long rides needs at least a basic tool/emergency kit, and the knowledge to use it, unless the rider is always in a position to call a friend with a car or a cab when their bike needs a quick fix on the road.  If you never travel more than a few miles, this can be overkill, and calling a friend or a cab may be just the ticket,  but if you want to be more self reliant, this is something you should seriously consider.  This list may sound like an awful lot of stuff to carry, but really, it only weighs a few lbs and fits in a small, under-seat bag that comes off quickly so I don’t have to leave it with the bike if theft is a concern.  If you always carry a regular rack top bag, you can also just put all this in a small nylon bag and throw it in there, but I prefer an under-seat bag.
Pedals are important because the serve as the contact point between the rider and the bike’s transmission. Clip-less pedals systems come in a variety of designs favoured by individual manufacturers, but the mechanics of all styles are roughly the same. Tiny adjustments in the position of the show cleat – that snaps into position on the pedal – can make a big difference to the comfort and health of the rider.

The retractable tube is stored inside the body of the pump when not in use, and it can attach to either a Schrader or a Presta valve, the two types of valves you’ll see. Some pumps can accommodate only one type, making them less universal. Toggling between the two is simple, which can’t be said of other models with itty parts that require nerves of steel to handle on a good day, let alone while wearing gloves, crouching in the wind, oblivious to the sewer grate a few feet away.
Change and a $20 bill:   In case your cell phone’s battery dies, it’s nice to still be able to use a payphone if you need to.   Also, the $20 is a great thing to have in case you lose your wallet or have some other mishap.   I’d rather be able to sit in a coffee shop or fast food restaurant when it starts raining while I’m waiting for my friend or cab ride, and a hot cup of tea or coffee or the beverage of your choice and a snack makes it all the more pleasant.  Just try to remember, this is for emergencies, and if you use it, replace it ASAP!
Over the years, I’ve come across plenty of articles that claim to tell you how to build up your cycling toolkit for cheap. Somehow the word “cheap” stops recurring in the long list of “essential” bike repair bits and pieces. The truth is, there is no real way to build a whole shop of tools all at once without plopping down a few hundred bucks. But in an attempt to show everyone that not all of us truly need a full complement of bike tools, I present the truest, most budget-conscious, and barest of bones options to you.

2) On my second day, the pannier bag fell off and got lost after I stopped for lunch, which required locking up the bike somewhere, so I took the bag into restaurant and re-attached it using the two velcro straps on the rear rack. I've used many panniers before, thought I did it correctly. But apparently I did not. So I paid $55 (cost) to replace everything in bag and bag. In hindsight, I wished I'd put a bungee around bag straps to really secure it to bike. PROBABLY MY FAULT.
Brakes come in a variety of designs depending on the age and style of your bike. Rim brakes offer more modulation but have less stopping power, so are more suited to riding on the roads. Disc brakes can provide huge amounts of stopping power so are best suited to off road riding, although ‘V’ rim brakes are also well suited to mountain biking. All brakes use a friction system to stop the movement of the wheel, so regular checks of the contact pads should form part of your regular cycle maintenance.
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