Colt LtWgt 21st Century Commander 45acp in a Milt Sparks HR-LTD. OR a Hk P30LEM 9mm in a Milt Sparks VMII.
One or two Colt magazines in a single Dillon mag holder or a Bianchi double. OR one P30 magazine in a Galco mag holder.
My belt for over 25 years was/is a Wilderness Tactical Products 5 stitch.
Emerson Commander spring loaded folder, Swiss Army Executive knife.
Cell phone in a 5.11 Cell phone pouch, PolyTac LED StreamLight in a non-branded nylon carrier. P-38, fingernail clippers, extra medications, Dental Pik. Money clip that was a gift from my oldest Daughter.
Wallet, Comb, handkerchief.
At all times, regardless of ambient temperature, and here in the Phoenix area we have some ambient temperatures.
That is how I do it.
Good luck.
Fred