My year round J frame carry is a 442-2 in a Uncle Mike's pocket holster. A speed strip in the same pocket and a Galco 2x2x2 ammo pouch worn at 2:00 cover any reloading need that might happen. My belt guns are usually compact or full size Glock .40s or a service size 4" .38 sixgun. The speed strip and belt pouch will feed any size .38 I choose to carry.
I've got a great leather IWB inbound. For some reason I've never been a fan of Kydex or CF for holsters, call me old fashioned, but everyone of my 46 years worth of 55g drum holsters are leather.
In Arizona, the summer heat demands lightweight accessories. Here is my summer survival equipment - everything I think I might need.
The little light is a Four Sevens Preon P1, and clips into my shirt pocket right next to the pen I would use to write down license plate numbers as necessary. It's VERY bright - enough to light up the neighborhood or blind an attacker after dark. The 642 goes in my Levis right front pocket, no holster required with the Barami hip-grips that are on it hooked over the lip of the pocket to expose just the handle for quick access. Any tail-out shirt works fine to cover it.
The little .22 North American revolver is a latch-ditch "surprise" backup if necessary, and the Benchmade Elishewitz folder knife is a backup to that - never needs reloading. The GI pocketknife is an all-purpose tool that has come in handy many times - particularly when I need to de-cap a bottle of Heinekin!
The cell phone isn't smart, but it IS a phone to call 911 when and if. It's quite small and light.