Greetings,
old lurker, new poster.

Personally, I carry a fanny pack with my wallet, checkbook and PSK. A Nite-ize pouch for my multi tool and mini maglite (and a pair of hemostats) on my belt. My backpack stays in the car or goes into work with me (also carrying a toiletry kit because sometimes I get stuck at work if my relief doesn't show up).

Always playing with different ways of carrying stuff with me.
peace,
samhain