Because of what I EDC (literally, just what I listed before, plus keys, phone, wallet, paper and pen), the toolbag at my work, and its contents, stays in my employee locker for weeks at a time. I did forget to mention a 4.5, maybe 5 inch folding pocket-knife, whict I use for ... let's say kiosks/"atm"/point-of-sale/arcade/digital signage repair ... more than you, or even I when I threw it in the bag on a whim, might expect.

Other than a pump, I'm not sure where my EDC falls short for biking, although I do also have a torque-wrench, metric impact socket-set, a couple large Crescent Wrenches, plus the normal oem-kit I keep in my SUV (unrelated, but plus my family's roller-skates, swim-suits, sweaters, climbing gear, cargo-straps and towing stuff). That car is also the over-flow for stuff I don't usually use in the garage or have too many of though. I actually despise all but the beefiest Crescent wrenches.