I live and work outside of Chicago (in the Suburbs). My EDC:

Key chain with:
-Spare keys
-Arc Premium AAA flashlight w/ lens covered w/ a plastic cap
-BSA Hot Spark and metal scraper
-Fox 40 whistle trimmed down
-Gerber LST Micra locking folder

In other pockets:
Car/House keys
Hankerchief (clean)
Mini RSK Mk1
Cell phone (w/ battery kept charged) loaded w/ important phone numbers

I have an umbrella and SAK at my desk, and the truth is that I could walk home if needed (though it would take some time).

About the only real life-changing event that I could imagine here is either an earthquake, a plane hitting my building (7 floors), or a nuclear bomb hitting the Chicago area. Other stuff - like tornados, fire, and such would be nasty, but have a limited effect on a relatively new modern building like mine. Heck, I can see the nearby fire station from my 2nd floor window.