I don't change much, just transition from one set to another. Requirements haven't realy changed despite all the issues in the news. As for no change pocket -- I carry a separate change holder for coins and small bills; the wallet is for ID, credit cards and large bills only. If there's no need for large bills, I don't need remove the wallet from its pocket.

G19 is the only pistol I've carried, with just the mag in the pistol.