I have to admit I find a lot of the what do you carry/what you should carry amusing. I think the the thing I find funniest is the "I don't carry such and such because it is too heavy, but I think this is a must have because I like it and your dumb for saying it is too heavy." Kinda like the discussion about military side arms. 9mm plastic that holds 20 rounds is nowhere as good as the old 1911 with 8 rounds.
That said it is also interesting. I feel smart people will carry what works for them and let others have their own ideas without any belittling. We all have different needs and generally face different things in daily life.
One thing that has been mentioned a few times in this thread is "I have a full set of tools in/at...". I have no idea what is a full set of tools. I am a professional auto mechanic that has expanded and crammed my toolbox at work to the limit. I wound up buying a second one to put next to it to try and help contain the tools I have and keep adding. Granted they are not big(to me) boxes, but I don't have a lot of space. I don't consider my tool set anywhere near complete.
Ok bashing is done. Now it is your turn to bash me and say how foolish I am for what I carry on my person daily. I might come back with a photo sometime so you can appreciate my silly load.
Right hip pocket has car key with keyring light, change, CRKT ignitor knife.
Right rear pocket has wallet.
Left rear pocket usually empty but is often used as temporary storage for phone.
Left front pocket has lighter(and I don't smoke, but it a useful tool), fingernail clippers, lip balm, Streamlight Wedge flashlight. Left thigh pocket holds 2 P239 magazines in .40 Cal and a P238 extended mag.
Belt has Leatherman Wave with bit kit, extension, and ratchet accessories in a small sheath at 4 o'clock. Sig P239 in 40 at 5 o'clock. Streamlight Stinger LED is hung at 8 o'clock.
Left ankle has my P238.
Shirt pocket has 2 pens, pocket screwdriver, telescoping magnet on a stick, pocket prybar and until recently, a CRKT CEO.
See? Told you my load is comic.
On the subject of the multitool, like it was noted in an earlier post, it is not intended as a primary tool, but for many small jobs works well enough that it is not necessary to stop crawl out of where you are and go find the 'proper' tool from the toolbox then go back in to where you needed a tool. I find the pliers work great for pulling fuses from a fuse box, real needle nose pliers don't do the job any better. That is just one little example of daily use my wave gets.