UserRights will give you all the objects/rights to which you explicitly have access. UserRoleRights gives you all the objects to which you have access via a role.
So you can just union these views. A couple of points - rights can be given below database level, so you could have rights to some tables in a database but not others. 2. If your default role is not ALL, you could have rights to an object through a role but may not be able to exercise those rights while working in a different role.