Hi Craig,
Well, I guess by my own definitions, I don't carry a PSK (Personal (or Pocket) Survival Kit) on a daily basis.  I think of my PSK more as something I add when going out of doors a way.  It may be simply semantics, but I tend to refer to the stuff I always have on me as my EDC (Every Day Carry) gear.  My "Business Dress" EDC is the same as my "Casual Dress" EDC.  I just keep it in my pockets.  I'm currently carrying just a bit less than I used to.  None of it shows.
Front Left Pants Pocket:
 Bic or Cricket mini disposable butane lighter
 Leatherman Squirt P4 mini multi tool
 Wallet w/ all the extra stuff I carry in it
 cell phone
This sounds like a lot, but the lighter & multi tool go side by side in the bottom of my pocket, with the wallet & phone side by side on top of them.  Once I put everything in, they stay organized and create a flat profile.
Front Right Pants Pocket:
 ASP "Palm Defender" pepper spray (smaller than "Key Defender")
 Keyring w/ white Photon II LED flashlight & Acme "Tornado" whistle
 loose change
Rear left Pants Pocket:
 Checkbook w/ all the extra stuff I carry in it
 Spyderco Police model pocket knife (fully serrated - a weapon, not a tool)
Rear Right Pants Pocket:
 Schedule Book w/ all the extra stuff I carry in it
 Fisher "Bullet" model Space Pen
"Extra stuff" mentioned above include extra cash & card carried not just in wallet, extra checks carried not just in checkbook, Brunton survival cards w/ brightly colored ribbons (for signalling) & safety pins, some small misc. first aid supplies, plastic fresnel lens, laminated information card w/ personal & medical data & phone numbers for myself & loved ones (in case I'm injured, sick or otherwise unconscious) & an unlubricated condom in an Extra Strength Anacin travel tin.  This last I'll put in a watch pocket or one of my front pockets.  I wear a braided leather belt which can have the buckle cut off and be unbraided for emergency cordage.
All of my jackets & coats have a small bottle of lotion, a tube of lip balm, a cheap disposable rain poncho, some Grabber "MyCoal" heating pads & a heat reflecting aluminized mylar blanket stuffed into their various pockets.
I really like KeysBear's idea of creating a PSK in a zippered day planner.  If it's been mentioned before, I don't remember it.  That's clever and useful for environments where a book bag, back pack or shoulder pack just wouldn't maintain the expected professional decorum.  You could keep it in a desk drawer or out on a shelf or desktop.  You could carry it in a briefcase or just by itself.  I like that idea a lot.  (Thanks, KB.)
Stay safe,
J.T.