I always carry: Keys, Wallet, Cold Steel Ti-lite folder, pen, ipod, cell phone & bluetooth.
Keys and knife go in right front pocket. Pen, ipod, phone go in the left. Wallet sits in my right rear pocket.
Use a Galco Carry lite belt, found it to be an excellent belt at a very good price.
I have a few pistols I carry.
Load 1: Taurus 650
It's my newest pistol, and the one I've been carrying the most recently since it's my smallest gun. It's a 357, but I load it with Hornady Critical Defense 38+p most of the time. It rides between 3 & 5 in a High Noon Split Decision IWB Tuckable holster.
I also carry a single Bianchi Speed strip loaded with 5 rounds in my pocket (though I'm ordering a pouch for it when I get money)
Load 2: CZ PCR
My favorite pistol, the one I carry most of the time. 14+1 rounds of 9mm in the gun. Usually carry the Critical Defense, but sometimes TAP or Federal Hydra-Shok. The gun rides between 3 & 5 in either a High Noon Down Under IWB, or a High Noon Speedy Spanky Paddle Holster.
Carry a single 14 rnd mag in a Galco Horizontal mag pouch between 7-9. Never really seen the need to carry more than the one spare.
Load 3: CZ-75b
Haven't carry this one much since I got the PCR, but still pull her out now and then. 19+1 rounds of 9mm in the gun with a MecGar aftermarket mag. Use the same ammo as I have for my PCR. Again the Gun rides between 3&5, and for the moment uses the Holsters I have for the PCR until I break down and buy her her own holsters. Probably High Noon again for the IWB, but leaning towards the iTac Defense paddle, (since Blackhawk won't make a serpa for the CZ's) but may still go with another Speedy Spanky.
My spare is a single 17rnd mag in the same Galco Pouch.