leadcounsel, with all due respect - in a separate post, you were arguing that a spare mag was unnecessary, but you wear a vest? I'll grant that risk tolerance is subjective, but ... ?? I don't mean that necessarily as criticism. I'm more surprised you'd find a vest an acceptable precaution, I guess.
Anyway, when I'm out & about in KY (my job has me travelling somewhere in the state about once a week), aside form wallet/keys, I carry:
Springfield XD 40 or Kimber Ultra Carry .45
yes - a spare mag for either
light (either an M3 for the XD or a flashlight since the .45 has no rail)
That's it. Even with all that, as I've said before, I feel like a skinny pale Batman sans cape with anything else hanging on my belt.