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Things vary according to mood, I'm retired so I'm less formal than I have been in the past.

Beretta PX4 SC 13 rnds of Hornady Critical Defense 124 G (sometimes the Zombie rounds)
DeSantis Tuckable Holster. (Small Nylon type)
Generic Pocket multi-blade knife . 1.5 inch blade.
A ballpoint pen
Android Cell Phone.
Small pocket camera.
Watch.
RFID shielded Wallet.
Keys, ... Can't go anywhere without keys

I have thought about keeping a rifle in my car. but haven't decided yet.