For Fire itself: I normally just use a Bic lighter. There's always one in my backpack, and I EDC one, so there's always one in my pocket as well. I've got a Spark-Lite as a back up as well as NATO life boat matches. Sacrilege, I know, but I don't always carry a fire steel.

For tinder: I always carry a few Tinder Qwik pieces as well as some of the Coghlan's tinder. I don't like the Coghlan's all that well and will not replace it when it's gone. I also carry toilet paper which makes good tinder in a pinch. In addition, I normally carry two or three cotton bandanas. I wouldn't do it unless I really had to, but a bandana can be used for tinder, particularly an old one that's kind of frayed.

Keepin' it simple,

HJ