For my commute I have the basics: pannier, lights, bell, helmet. My bike is fairly accessory-light.
And that's fine.
But it isn't easy for me.
I'm a hoarder, aesthetically driven and an impulse buyer, so keeping my bike simple and functional is harder than you might think. I just really love stuff.
Every time I browse a bike fashion blog or a bike gadget website, I risk ending up with something else to attach to my bike. One of my favourite cycling bloggers, Alice from Quaint Living, has a handlebar mounted cup holder.
Do I need a handlebar mounted cup holder? No.
Do I want a handlebar mounted cup holder? Apparently so!
The internet is a dangerous places - I work pretty hard not to bankrupt myself.
I'm such a Mrs Armitage:

With a whole world of beautiful bike accessories out there, how much is too much?
Have you ever seen an over-accessorised bike?
Where is the line between basic:handy:luxury:overload?