I've had a lot of food for thought over the last few years, as I'm sure we all have. I've also changed some behaviors. One thing I've changed is never leaving my house without a firearm, which usually means a S&W Model 640 K frame revolver though I do, at times carry other options.
When I was a "law dog" carrying a S&W Model 66 I carried six in the revolver and two speed loaders with six each in my strong had coat pocket as the every day option. On raids I carried an 870 with 5 rounds of buckshot or slugs depending on the occasion, six in my revolver, three speed loaders in my strong side coat pocket and six more in a "dump pouch."
Well, I'm not a cop anymore and since a sustained gunfight is pretty unlikely (though more likely than five years ago) I now carry 5 in my model 640 in a strong side belt holster and a speed loader in my strong side vest or coat pocket. I almost always wear a jacket or vest, but if I'm not and am carrying in a hip pocket or with an ankle holster I substitute six in a dump pouch for the speed loader. If I carry a larger six shot revolver I always wear a jacket or and have six in the revolver and six in one speed loader. If I carry an auto pistol, which I do on rare occassions; mine is a sixteen shooter, I don't carry a spare magazine.
Interestingly, some times, just because, I'll carry my Model 28 "Highway Patrolman" in a "pancake" holster. I'm not a big guy, 5'7" and 178 pounds this morning, but, this option is surprisingly concealable under a jacket and comfortable but only if you have a serious belt that's up to the job.
So, how do you folks carry, the forum, is, as they say, open.