Hmm, who carries three? That would be Evan Marshall, a man who has been there, done that.
I will carry a BUG now and then, as I feel like it, and I honestly don't care what people think of it. If you are happy with a 5 shot snub and no reloads, that's great, nice light package. If you are happy with a subcompact pistol and one extra mag, fantastic, glad you're carrying to defend yourself. I don't mind what you carry, whatever makes you happy, and you can use effectively. The only time it ever got out of control was when a guy showed up to work with a black trenchcoat on, carrying one gun each side thigh AND belt holsters, one in a shoulder rig, and a rifle with drum mag and 37mm flare launcher under the other. He left most of the hardware in the vault that day - the company didn't mind back up guns, but that was a WEE bit out there. It was also legal.
So if you carry a BUG, cool, nice to have that for the possability of breakage or unclearable jam - Mr Murphy seems to always be along for the ride when everything goes south. if you don't, that's also cool, great country we live in that recognizes the right to diversity of opinion.