This is what I consider my office/urban EDC:

• Front right pocket: Leatherman Skeletool CX
• Front left pocket: keys w/ slimmed down Fox40 & Fenix E01
• Rear left pocket: Buff
• Rear right pocket: wallet w/ band-aids (one large, a couple regular), duct tape, spare house key, P-51, safety pins, magnifying lens, extra transit ticket
• Belt: iPhone
• Wrist: analogue watch

I am usually in corporate office environments and the only aspect of this EDC which is somewhat uncommon, but noticeable is the Skeletool clipped to my pocket.

For carrying my keyring in a non-obtrusive & comfortable manner I've started looping a small, black lanyard around my belt with the keys clipped to the end on a small carabiner. It is barely visible, unlike my old method of clipping the carabiner to my belt loop, but is still comfortable because it keeps things from laying in a bunch on the bottom of the pocket.

Also, fire is conspicuously missing from this list. I used to have a mini-Bic in a pocket too, but am considering getting a split-pea lighter to add to the keyring.

And while I have some redundancy and additional items available in the backpack I take to & from work I don't consider them to be EDC items because they are not always with me.