And I would suggest carrying a SAK every day, without fail. Don't care which one with what functions/tools. Just having one puts you ahead of the pack.

...Or any of the small multi-tools.

Some small MTs are much better than others...Some are so ineffectual they don't even rate as toys.

Start with a jacket and water bottle in your commuting bag.

think fabrics; add a fleece hat, handkerchief or coat to your kit

And I'll say it again: cash. Get in the habit of carrying a couple of spare $20's.

The three most important problem solvers, in order, are almost always:

• Working cellphone
• Cash
• ID

Chaos, I would actually add "Plan" to your list. It helps to avoid the problems, and a good one can help to solve them as well. While it is not an "item", it does (or should) utilize your most useful and important survival tool, your brain.

Montanero, "Plan" is a four letter word, and if you make and follow one, you take all the excitement and challenge out of an emergency situation

Seriously, have one,but be willing to modify it to fit circumstances. Flexibility is key. Didn't some military guy say "No plan survives first contact with the enemy."?

A good plan includes flexibility, is not rigid. A good plan gives you a point to work from to adapt to whatever arises. I guarantee that any experienced person venturing out has one in their head.

The other part of it is to inform someone of your plan before you go.