My basic hardware: Ruger SP101, spare cartridges in Bianchi Speed Strips, Masters Model Karambit pre-5.11 folder, Casio GZone Brigade, and Surefire LX2 Lumamax. No wallet, as such; ID and one credit card ride in a concealed, slim ID holder.
I will add an ultra-slim wallet or two, depending upon where I am going. I do not carry my life around all the time in one big wallet. What is the saying about not keeping all of one's eggs in one basket?
I add another, straight-bladed knife or two, depending upon where I am going.
I almost always carry another handgun, which may be another SP101, a larger S&W or Ruger .357 revolver, or a Les Baer Thunder Ranch Special. Rarely, the additional handgun will be smaller, a J-frame 642 variant or a Seecamp LWS-32.
Five to seven days a week, in police uniform, I carry the mandated .40 double-column DA auto duty pistol. Of the several authorized choices, I have been using a SIG P229R DAK since November 2004. (We buy our own duty weapons around here.) I had often carried the P229 on my own time, concealed, until it starting hurting my aging, aching wrist to train with it, so I brought the Baer out of the safe earlier this year. An all-steel 1911, shooting the less-snappy .45 ACP, means painless training, which results in greater confidence in my accuracy under stress. I had tended to carry my duty handgun on my own time since
1984, believing strongly in the wisdom of that concept, but getting old means changing some things.