I have a man purse that I carry most every where. It's a non-commando looking REI type bag.

In it is a Leatherman, small binoculars, lighter, Pocket Survival Pak Plus, Petzel headlamp, a small packet of food like Tanka bars and peanut butter, two space blankets, two 1 liter water bottles, a small first aid kit, and some cash in small bills. The main compartment is usually empty except for my sun glasses case and whatever's needed at the time.

I also have kits in both of my vehicles that replicate those items but are more extensive.