I usually will wear whatever for a top but almost always cargo pants.
However I do carry a couple things for a martial reason.
Surefire Flashlight L4
Kershaw Scallion blade
Medical supplies in my bag.
Food bars
Water
Juice
Space blanket (Silver one)
zip ties
etc
When I walk to work everyday, I assume I can't get back to my house for a while. You have to be proactive in a place like San Fran where you could be navigating around earthquakes at anytime.
The purpose of being prepared is not to be some psycho...its called being a survivor in a sea of helpless idiots.