It's usually a double-stack 9mm 1911 at 3:30, in a Blade-Tech OWB.
Spare magazine in a nylon pouch on the weak side, Leatherman in a pouch right behind it.
Folding Spyderco knife weak-side front pocket. I do like to have a backup weapon on the weak side.
Phone weak rear, wallet strong rear.
I am pretty much always either in uniform, wearing OCP trousers, or wearing some flavor or other of past-issue BDU trousers. The extra pockets are useful.
I also have a few IWM holsters, but I haven't used them lately. Even in Summer, I just grab t-shirts that are roomy enough to cover the OWB. I just get tired of switching because of the season.
I usually dangle my keys out of the weak side front pocket next to the knife.
In between the knife on one side, and the Kydex OWB on the other, I really can't fit my hands in my pockets, and it's difficult to try to reach in either one.
I have one single magazine/flashlight pouch, I haven't used it in a long time. Even I think there is a practical limit to how much crap you can load onto your belt, and I just find the Leatherman more useful than a flashlight.
I do have a Miami Classic shoulder rig, I find it has limited utility. (Either when I'm driving, or when I am wearing a outer garment heavy enough to not blow open, when it's not too cold for me to leave it open.) I have the fanny pack I sometimes use for long drives, it's easier to not have to sit with it in the waistband, and my phone and wallet can go in the front pocket too.
I have never wished I carried pepper spray.