1. Cash,
2. Identification (drivers license, et al)
3. Appropriate attire (which wonít attract undue attention),
4. Comfortable footwear,
5. N95 mask,
6. Small FAK,
7. Water as needed depending on climate,
8. A full tank of gas,
9. Local map (paper/hardcopy, not your cell phone),
10. More cash.

I really suppose it comes down to what problems you expect to encounter in daily urban life. A lot (okay, all) of the above plus tools and all the gear in my truck go with me every time I go for a drive. Gas tank gets to about a half tank and then itís made full again. Footwear for me is running shoes with socks that depend on weather (sometimes wool, other times CoolMax).