If I'm carrying light, I'm carrying:
Keys-left front pocket
Wallet-left rear pocket
Luminox Steel Dive Watch, G-Shok Illuminator, or Rolex Submariner-left wrist
Sprint Cell Phone-right front pocket or overshirt pocket
Asthma inhaler-T shirt pocket or right front pocket
CRKT Crawford/Kasper, Spyderco Police or Benchmade Darkstar-clipped to right front pocket
CRKT Crawford Point Guard, Emerson CQC-7, or Benchmade 710 Axis lock folder-clipped to left front pocket
Glock23, H&K USP40, or Taurus 617 with Hydrashoks-rear right hip in beltslide holster
Extra mag or speedstrip-front left hip on belt
If I'm packing heavy, I'm carrying all of the above, plus:
Extra mag/speedstrip pouch-front right hip on belt
Cold Steel Mini Culloden-around neck
Leatherman multitool-left rear hip on belt
Sabre pepper spray-left front pocket
There ya go!
BryanH