You and I have a lot in common, brother (except for the Multi-tool thing ... I'll get to that). I too carry a money clip (wallets are too cumbersome), and a G26 (13 years and still rocking it!), and of course, phone and keys. And I work from home, too. But we differ on the MT. I have carried some type of MT for over a decade, usually two. For the last 2-3 years I have carried a Victorinox SwissTool Spirit on my belt (I have a worn leather sheath for work in the field and a nice leather sheath for office/work/dress). I carried a Leatherman Wave before that (for 6-7 years), and I cant imagine being without it - even if it's not on my belt - because it gets used daily. To that end, I also keep a Leatherman Squirt in my briefcase as a backup MT.
The SwissTool I have has the fully-serrated sheeps-foot blade; the knife clipped to my pocket has a longer plain edge - both prove useful in different applications. I could get along with just one or the other. But why choose when I can have both?
The other tools that see the most use on my MT are the scissors, pliers, phillips-head screwdriver, and, yes, the cap-lifter...
Cheers,
Derek