I'm egotistical enough to post what I carry.

Keep in mind that I'm probably as close to being a member of the unprepared masses as I can be and still enjoy this forum. In the event of a catastrophe, I fully expect to be rescued before I die. (Of course, I also expect that DH will be the one rescuing me.)

My EDC is my key ring and wallet. If I'm outside of the house, and usually when I'm inside I have them in my pockets. Usually when I'm not within walking distance of home I also have a mini-backpack or the diaper bag, depending on whether or not I have DD with me (not to mention the jump bag in the car).

Key ring:
- Keys for both cars (mine and DH's)
- House keys (house, garage, mailbox)
- whistle
- fingernail clippers
- photon flashlight (courtesy of DH, after he showed me how cool it was)
- Leatherman Micra (also from DH, at my request after seeing the scissors)
- mini AAA card
- Disney key fob (it's the easiest way to identify my keys to a stranger if I loose my keys)
- When I used to work far from home, I also carried the key to the home of a friend who lived close to work so I could spend the night at her home in case I couldn't make it home. I actually ended up using it once.

Wallet:
- 3 credit cards
- at least $20 cash, usually more
- family photos (self, DH, and DD)
- driver license
- large AAA card
- health & dental insurance cards
- calling card

Mini-backpack (when I'm out and about by myself):
- cell phone
- PDA

Diaper bag (when I'm out and about with DD):
- cell phone
- PDA
- baby supplies (a really huge list that I won't bother you with, except for the stuff that are also useful for non-baby situations)
- wipes & napkins
- meds (stingez, asprin, midol, benydral, neosporin, bandaids)
- SAK
- extra hair elastics & comb
- pens, paper, ruler, clipboard
- snacks
- plastic grocery bags
- pool pass

I keep finding new things that would be good to carry in the diaper bag, like some tape, envelopes, etc. However, DH thinks that the diaper bag is too heavy already, and it seems like my diaper bag has more crap in it than anyone elses. I don't carry water on a regular basis in the diaper bag because it is so heavy, but occassionally I clip a plastic bottle to the bag or throw one in the bag itself.

-Kuovonne