Basic rule is...
For open belt gun, I carry full gun and two reloads.
For concealed gun, I carry full gun and one reload.
Type of ammo varies depending on what I'm carrying. Usually it will be a heavy WC or SWC design, HP if available, loaded to a smartly moving but not maximum level. I'm also partial to Federal HydrShok in .38 Special, and Federal 125 HP in .357 Magnum.