At minimum I have my Sig P238 in a Remora holster, a spare mag (14 rounds total), my S&W SWAT knife and a FourSevens Mini M2a light. If I am not working that day then you can add a Beretta 92 to that.
Away from home, I always have an extra
pair of rx eyeglasses and several spare keys.
Just my life experience. Mom taught me to
always carry a hanky. A handgun is now as
second nature as the handkerchief.
Glock 17 gen 3 or Glock 19 gen 3 (depends on time of year), spare glack 17 magazine, ZT 0350, Samsung galaxy s3, maxpedition spartan wallet, casio g-shock, oakleys, and sometimes a Esee Izula.