Depends on a mix of variables, including time of day, weather, destination.
I always carry extra mag or cylinder-full for any gun.
Mix of guns and equipment:
.45 in belt under a jacket if it's cool, under a Hawaaian shirt or in a belly pack if it's warm.
.38 in an ankle holster.
.380 in a belly pack.
Really bright flashlight.
Occasionally a quick-deploying folding knife.
Steak or long kitchen knife.
Time of day:
Usually one gun in daytime, plus BUG at night
Taking out trash in dark: Usually revolver in pocket or belt, flashlight, steak knife (Lion Medicine)
Weather:
If it's wet out (snow, rain, puddles), I'll avoid using an ankle holster. Got splashed by a car once, had to "go to earth" to dry out gun.
Hot: Ankle holster and/or belly pack with a small auto, sometimes both depending on destination variable.
Cold: That's where I have fun. I once carried three guns around just 'cause I could, not because I was expecting anything. This fall I'm going to try for four guns... again, just 'cause I can. My son tells me that when he went through his CCW class, one of the instructors hauled out no less than fourteen guns, just to demonstrate the concealment possibilities.
Destination:
Bank inside, at least one gun. This is usually just part of general errand-running, during the day, so I'm usually carrying two. I pay cash for everything.
For drive-up window on Saturdays, just one in belt, one is sometimes in the glove-box.
Movies or gadding about at night, always at least two, plus flashlight, plus knife.
Daytime in City: Usually two guns, disposed as described above, according to weather, etc.
Going to work: Zero. None in car, none on person. No ammo, no knives, no nuthin'. I park in a really secure building surrounded by armed guards, monstrous tire-ripping barricades, mannions all around it. No real need for my own iron, In the morning, I walk twenty feet to my car, go to work without getting out of the car, drive into the building, and go to the office. At night I get in my car, leave the building, get home, and walk twenty more feet to my front door. If I feel the need to carry after work, I'll park in a private lot and leave the hardware secured in the car. Worth the ten bucks to park in a private lot to avoid lawyers, hassles, handcuffs....