I usually carry a folder, a SAK (you NEED a SAK) and a multitool.
If I'm outdoors, I carry a fixed blade all the time.
My folder and SAK are on me, on of them in a belt sheath the other one in my pocket.
Multitool is in my pack. It's either a LM Wave or a SwissTool (I'm getting a SwissTool Spirit Plus soon).
I've found that a medium SAK (I love the Huntsman) can handle most of my daily tool needs and is a lot more comfortable to carry around than a multitool. I keep the multitools mainly for their pliers, which do come in handy a couple of times a day.