First, let's say I work in an office environment, for an IT firm, visiting customers most days. Mostly a technical work, on mid-range computers.
I don't like have bulges in my pant's pockets.
Keeping a wallet in the inside pocket of a coat/vest is not a solution : if you happen to leave that coat/vest on a chair or coat hanger in an office and move in the building, chances are you will not find your wallet when coming back <img src="/images/graemlins/mad.gif" alt="" />
So I opted for a belt setting mainly.

My present setting :

- a pouch on my belt front left side : credit cards, money, change, car keys, tiny FAK (mostly a few band-aids), small ballpen, flat whistle, spare batteries, mini-BIC lighter, nice looking folding knife with corckscrew, 1 big black garbage bag, and a white Photon III, dangling on the outside of the pouch
Previously I had a bigger pouch (Maxpedition M4 like size) : too big, akward, difficult to sit down at the theater in those narrow chairs !! ... So I took a smaller one (about the size of the M1) and added an leg stash :

- leg stash : space blanket, extra money, BIC lighter, Doug's PSK, red Photon III, some cotton + petroleum jelly filled straws, a magic candle.
The only thing I don't like about that leg stash, is the velcro used : how long will it works..?..

- on the belt, rear right side : a Leatherman tool (PST ?) and a Surefire 6P (I'm waiting for a nice leather sheath for those two items ; ordered some months ago from Dixleatherworks ... should arrive soon...)

- on the belt, front right side : cell phone.

- pant rear right pocket : Doug's RSK

I would like to replace the leg stash by a neck pouch or necklace, but I guess it would be too obvious (bulging + visible thru shirt). Might be OK in wintertime, when wearing a pull-over.

That's it.