The fewest rounds I routinely carry are 23: 6 in a K-frame, 5 in a J-frame, and 12 in two speed strips. I've been known to carry a lot more than that, especially at work.

Okay, I'll add my work carry info: 6 .357 Mag in a 4 inch S&W 686-6, 6 .38 Spl in a 2 inch S&W 12-2, 5 .38 Spl in a S&W 642-2, 24 .357 Mag in 4 speed loaders carried in 2 double pouches, and 6 .38 Spl in a speed strip in my back pocket. Doesn't include the concealable body armor, Taser®, OC spray, expandable baton, Motorola, handcuffs, or key ring.

Incident armor, AR, and shotgun are locked up.

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CPT, Armor (Ret)
Luke 22:36