I EDC the same items as GarlyDog (but light is Inova, tool is Squirt) plus a couple band-aids, a US$20 bill, a mini Bic, SparkLite/TinderQuik and some Tylenol in a small pouch. The pouch is pretty durable nylon, it could easily be worn around the neck and under a shirt without a huge bulge. Or worn on a belt as intended. I S-clip mine to a pants pocket (carried inside), that's how I get the girls.

The pouch is specially made as an artificial respiration/CPR kit. It is about 2.5x2.5", so quite small, about 1/2-3/4" thick as stuffed. These are not hard to find, and have an expiry date for the stuff in them so typically get thrown out at work, but we know better. The pouch keeps stuff from sticking in to me, I am generally not comfortable with stuff around my neck, but it's an option I do occasionally use.