Daily carry lately, has been the M85 Ultra-Lite with +P's, two extra Bianchi speed strips for a total of 15 rds. I don't carry on the boat as I bend, crouch, stretch, etc,...
Out on the town, same rig, or P3AT, or Walther PPK/S, with Kershaw pocket clip knife, phone, and stream light. Sometimes, depending on temp, and attire, IWB up to M+P .40, or FN9, spare mags can be tough in 75+ degree shorts, but I keep them in the glove box.
Full size mags are great to have but climate and attire can be limited without "waddling" in shorts. Try to keep it light.
Road trips, are G21, or 1911. both in 45ACP, and "something" in the back seat within easy reach if I'm not driving and stopped.
Nothing to draw attention, I prefer to be the "quiet" traveler.
Seems S. Florida weather, can be "finicky" when it comes to what "works"
Do carry First Aid kit, and a rotating bag of ammo, mags, always some bottled water, and a change of clothes in the Xterra,.