I usually switch out my pocket tools with a SAK cadet and a eyeglass screwdriver. My car and my backpack have back ups if I need anything serious. My keychain always has a mini sharpie, peaks flashlight, and whistle. My architect wallet has a pen and a notebook.
When I travel I go really lean. No multi tools. I carry my keychain and a Shard. I switch out my wallet with a bifold with lots of room for US $ and foreign currency. Which is a shame coz I have edc stuff in my original wallet (duct tape, fresnel lens, band aids, etc.) efficiently hidden but too lazy to transfer.