These are some great ideas, especially the simple ones like bringing a garbage bag. That’s something so easy and cheap that it’s easy to forget entirely, but as you say, it can make a huge difference in the right circumstances. It’s also good that you discuss some minor bike repairs. That’s another thing that can salvage or destroy your ride. You want to be as prepared as possible for the best possible experience.

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!
Patch kit:   Patch kits are easy to use, light and compact, and if you get more than one flat on a ride (it happens more than you’d expect), it can save you when you’ve already used your spare tube.   Plus, on a rear wheel, patching a tube can be faster than replacing it, as you can often do this without removing the wheel at all.  Another upcoming post is going to show you how to patch a tube.
A multitool is a highly versatile piece of repair equipment that can address most of your maintenance needs. Ideally, you should use it before a ride to tighten and adjust everything properly, but sometimes it’s necessary on a ride as well. If you encounter a loose screw, realize your saddle height is not right, or that your brakes need tightening, you will be happy to have it.
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.
Maintenance is the best prevention. “Prevention is the best medicine, and if you’re taking care of your equipment it’s super key. Bikes don’t just fail. If they’re in really good working condition and you clean them at night, and you’re religious about it, bikes are kind of like cars — they’ll start talking to you if something is getting worn or getting creaky or needs to be replaced.”
Every person who considers themselves a cycling enthusiast should know how to do at least some basic bike repairs. This is not just to satisfy an unwritten standard of being a bikehead, but because it has a lot of practical implications as well. It can make the difference between dealing with a minor issue quickly on your own or waiting a couple of days for a busy mechanic to squeeze you in. Moreover, in the long run, doing the dirty work yourself will save you a lot of money.

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