@Soontobe60 - I don't see why you wouldn't use a comma there:
There was a selection of breakfast items on the table: cereal, yoghurt, a pot of tea, and toast.
It makes it clear that the scope of "a pot of..." is only for the tea, so helps me as a reader see toast as a separate item.
If we had
potatoes, tomatoes, a bowl of tuna and mayonnaise
I'd read that as tuna and mayonnaise combined in a bowl, but
potatoes, tomatoes, a bowl of tuna, and mayonnaise
would suggest the mayonnaise was separate.
I think commas are definitely one area of writing where it's a matter of judgement based on what makes it clearer for the reader.