I am very minimal with what I carry.
I always have phone, headphones (either wired earbuds or my shokz bone conducting ones) and the least amount of keys(this is currently down to a single key on a small elastic cord).
If I am cycling I add in a small cafe lock, and in the summer I include spf30 Chapstick as well.
That is all the stuff ever really worry about taking with me on a daily basis.