Putting kits together is as much a game as anything.  It's fun!  However, given the choice of kit or no kit, I choose kit!  In my case, my "Altoids kit" is the bulk of my emergency stuff when I go mountain biking.  Although I couldn't say that it's saved my life, I have raided its contents on numerous occasions.  Neosporin, advil, photon light.  I even used the needle, dental floss and fire making supplies once to repair a torn tire sidewall!  My current kit also includes Uncle Bill's tweezers and a Victorinox Classic knife (the tiny one).  These two items are often used for ticks or delicate cutting jobs where the folder I'm carrying is too large.<br>Your response is very well received, however as we often like to throw money/ resources/ kit at problems than  rational thought.<br><br>
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Two is one, one is none.  That is why I carry three.