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I don't carry all that I can because I suspect that would be a LOT, day-to-day. Granted, that would be backpack carry of the extras not belt carry. Although somebody should be able to tacticool a USPSA type arrangement with four or five magazines concealed on a belt rig.

I don't top off my magazine. For me it is an ease of use issue. When I clear my current carry weapon for whatever reason, is it convenient to store the round from the pipe back in the magazine it came out of. My G26 loads up as 9 plus the one in the pipe. I carry a G17 magazine as a spare. The likelihood that I would go through that round count and then "save the day" with that last additional round is mathematically inconceivable to me as a non-professional (i.e. LEO, military).

I carry (and organize my gear) in a manner that is most likely to guarantee I'll carry all the time. Ease is part of that for me. Making things (even in small quantities) simple may not be the macho thing to do but for me it is the calculated thing to do.