As far as bank fishing goes, I take a medium amount of stuff nothing major.
-Two maybe three setups and a backpack of cranks, soft plastic, sunglasses, bug/sunscreen, a small flashlight, knife, water, and pliers.
In my inflatable pontoon boat
-Two setups, mainly for soft plastic>it's based on how deep I want to fish>A cooler with lunch and all the stuff above just more of it.
I too was bank fishing yesterday at my favorite pond and just caught one. It was hot and nothing seemed to be biting. I could see fish hitting the top of the water but nothing was hungry. When it is like this, I just fish slower. It seems to work for me.