It depends on the weather and my mood, but one thing stays the same: the primary magazine is loaded with hollowpoints. The backups may or may not be.
I frequently wonder what quantity of ammunition would leave me wary. It fluctuates a bit, but 7 rounds feels insufficient. So, if I have a revolver or a micro-gun, I would always carry at least one reload. I feel quite confident with 12 rounds. At the other end of the spectrum, I never have more than 48 rounds on my person. That leaves me enough ammo to spray the walls, streets and sidewalks and still hit the target 3 times... just like the NYC police do it.
Now, if I'm going to the range I have enough ammo on me to be killed instantly by any force large enough to require me to use it.