My every day attire in the summer is shorts and a golf shirt or shorts and a tshirt with tennis shoe, sandals or bare feet. When I am dressed this way all I carry is a light weight full size folder (BM-RSK, BM-ACFK or Spyderco Salt), a mini bic lighter, a modified (shortened) Inova microlight, my wallet, keys and cell phone. Inside my wallet is also an oven bag, a bit of duct tape and a couple katadyn MP-1 tabs. The only thing I really do differently is if I am wearing jeans or sturdy shorts then I may carry a fixed blade CRK shadow III and/or a multitool in place of the above mentioned knives.
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Learn to improvise everything.