I'm not a knife guy, nor am I really a flashlight guy, I suppose. But If I'm dressed, I have this. None of it is pretty, but all of it is useful, at least to me.
Key fob for car, thumb drive, Fenix UC02 backup flashlight, house and garage keys, all on a loop of string and a bitty lanyard on the UC02 in case it's needed for detached use.
Leatherman Crater, no extra tools on it, darn it. I've carried some kind of pocket knife since elementary school, but it's only relatively recently I've grown to appreciate the convenience of a one-hand opening knife. The progression was roughly a Scout pattern up to my University days, then for many years a SAK while I was working at the mill, then a tiny lumberyard multitool while working in a consulting office, then the Squirt, and finally adding the Crater when I decided the Squirt blade was a little delicate for some of the things I wanted to to.
RovyVon A3Pro replaced former Fenix LD02 (old style) because *more power*. Now 2+ years of every day use and quite happy with it. Throw away the lanyards that come with pocket lights and replace them with some good nylon cord. Stupid little plastic pen bought on my travels and now it's an indispensable item. Ancient Leatherman Squirt (it used to be blue), now they don't make them any more because they want to sell you some $200 item instead. All clipped together with a NiteIze clip and bits of nylon cord. ( If Victorinox would only make a Squirt-size version of the Swisstool, I'd click "Add to cart" as soon as it popped up on my screen.)
Coil-bound notebook from Princess Auto, invaluable to supplement my poor memory.
And one of the dumbest flip phones currently in use, but even so it's got camera, calculator, and video recorder...though I mostly make phone calls with it.
Wrist watch (not shown) is a Casio solar/radio controlled - I don't know what could happen that would stop this watch but still leave me with a usable left arm. Never needs batteries, never needs setting, alway within a fraction of a second of the correct time.
Also not shown - hankie, backup clean hankie for loaning out, N95 mask, comb, usually a bit of paper towel, and a couple of feet of paracord useful for practicing knots or tying back a door you need to keep open, etc. Oh, and a wallet...where I keep cash, cards(including a list of phone numbers in case my phone dies or goes missing) a couple of bandaids, some ASA tablets (80 mg), and some SAK tweezers that I can't figure out how to attach to the Squirt.
Now, if I had something specific in mind I need to do, I'll tool up for it. But this is enough for a typical day around the house or expediteion to the grocery. All this junk gets used every day.
The only drawback to being retired is that you can't use "But I can use this on a site visit!" as an excuse for more gear.