Trouble making an Ignore list with multiple items?

Unless you're looking to update the ignore list every time a new Hat or Tool is made, then I don't know that I recommend adding them to an ignore list.

local ignore = {player.Character}
local hit, position, normal = workspace:FindPartOnRayWithIgnoreList(ray,ignore)
if hit ~= nil then
    if hit.Name == "Handle" then
        hit = hit.Parent.Parent;
    end
end

I don't know that it's the most efficient solution per se, but it's the way I typically do it. Most Tools and Hats have an object inside of them called Handle, so if you're hitting a handle you can typically assume it's part of a Player or an NPC.

I've been using this feature of raycasting a lot recently. Not sure if it's the best solution but what I do is right before I draw the ray I update my ignore list. This is how I would do it to include hats and tools.

local ignore = {player.Character}

local players = game:GetService("Players"):GetChildren()

for i = 1, #players do
    local parts = player.Character:GetChildren() --Gets all parts of the character

    for i = 1, #parts do

        if parts[i]:IsA("Accessory") then --Checking for accessories
            ignore[#ignore + 1] = parts[i]:FindFirstChild("Handle") --Afaik all accessories only have a handle part
        else if parts[i]:IsA("Tool") then --Checking for tools

            --This section can be easily changed if you already know what your tool's structures are gonna look like, this one I provided is just the least likely to "fail" because it missed a part
        local toolParts = parts[i]:GetDescendants()

            for i = 1, #toolParts do
                if toolParts[i]:IsA("BasePart") then
                    ignore[#ignore + 1] = toolParts[i]
                end
                end
            end
        end     
    end
end

local hit, position, normal = workspace:FindPartOnRayWithIgnoreList(ray,ignore)

I'll usually have a function stored in a script with this when I need it. Particularly multiple times. For the tools section, I just made that most likely to get every part in case you have multipart tools. If you know your tools will only ever have a single handle part in them then that can easily be changed to:

if parts[i]:FindFirstChild("Handle") then --Double checks that the tool actually HAS a handle first
    ignore[#ignore + 1] = toolParts[i].Handle
end

Hope this helps you out.