Sig Pro 2022 IWB at 9 oclock. Knife in front right pocket. Wallet in back pocket. Keys go in right outermost pocket (jeans, vest, jacket, whatever). Phone goes in whatever pocket I throw it in when I'm done with it (seems to migrate more than the Swallows of Capistrano). Light with belt clipped in left pocket. That's my standard daily loadout.
If I grab my spare mag, it goes in front left pocket (I really need a kydex IWB holder for this). But half the time I don't carry it on me. That really isn't a lot of stuff to carry*. If you need more pockets, wear a jacket or vest, or switch to cargo pants/shorts. When I'm in cargos, my wallet goes to my right thigh pocket with keys when I'm not driving.
*I work on an ambulance and my work loadout is a lot heavier, and only 2 things are on my belt, it's in cargo pockets. At work I carry: Gerber Seat Belt Hook, Gerber Diesel Multitool, Gerber folding knife, trauma shears, keys x2 (my personal keys, and keys to ambulance), Streamlight Micro, Streamlight Pen Light, Fenix PD30, 150 page protocol book, 4x 10CC Normal Saline Flushes, 5x pairs of gloves, wallet, and phone.
That's the beauty of cargo pants. Lots of pockets to fill.