I don't use cargo pants, shirt and slacks is what I usually wear, and don't usually carry anything on my belt (sometimes a folder if it has no clip).

I always carry a SAK (hanging from a V'nox belt hanger) and a knife in my front right pocket, keyring and wallet in my left front pocket. My keyring is attached to a two carabiner rig (two carabiners joined by a short strap) and has a Victorinox Executive and a small flashlight, besides my keys. Shirt pockets are great, if I feel that my pants are too loaded, I can slip my wallet into one of my shirt pockets, or one of my knives.

I carry the rest of my gear (more flashlights, multitool, PSK, trauma and first aid kits, etc.) in a small backpack that never leaves my side.