My tool set is in a state of flux, as health issues affect my formerly stronger hand, and my eyesight changes. Lights are certainly becoming more important. Since the late 1980s, I have tended to carry the same primary handgun, on the clock, working police patrol, and concealed on my own time, but I have started carrying more orthopedic/geezer guns on my own time. It remains to be seen how this will settle; I carry a P229R DAK, .40, at work, but like to tote an all-steel Les Baer Thunder Ranch Special on my own time, for now. The heavier 1911, with the mellower-recoiling .45 ACP, and lighter single-action trigger, is less aggravating to shoot, so I train more with it. (Edited to add: Moreover, I have a .22 LR conversion unit for my 1911, with which I can train painlessly; I do not yet have such a unit for my SIG. Training leads to familiarity, which leads to more confidence. If it looks like I will continue policin' for more than just another year or two, and cannot succeed in being allowed to switch to a milder duty cartridge, I may well spend the money for a SIG .22 upper unit for my P229.)
The only constants, that have not changed at all since about 2004, are a Tarani Masters Model Karambit folder, and a Ruger SP101. It is normal for me to carry more than one handgun, and it is rare for one not to be an SP101.
In addition to the Karambit, I tend to carry one of several Spyderco blades for utility. I am probably about to revert to carrying one of my fixed-blade knives, but have not yet decided which one.
Lights are usually LX2 or M2 Centurion Surefires. I had a Surefire Backup that I found very useful, but it seems to have recently gone astray.
Mobile phone: Casio GZOne Brigade, times two. I dislike texting, but when it becomes necessary, I like the QWERTY keyboard, and this is a tough, water-resistant phone. While a bit large, this is OK with me, as I tend to lose smaller phones.
My wallet is a small, thin plastice Jimi wallet, which holds minor cards. My police ID, driver's license, health insurance card, and one "primary" credit card are carried in a holder on a ball chain, usually around my neck, concealed. I do not see a brand name on the ID holder; it has a leather-like rear and clear plastic front. Notably, I do NOT carry my whole life with me in the wallet and ID holder. I am often amazed, when taking info for a police report, how much some folks carry in their wallets, and subsequently lose so very much when it is lost or stolen.