Tom - that sound similar to my load out. I'm heading into town to pick up my wife from work, and then we're taking her brother to dinner for his birthday.
My carry gear:
Belt = Glock 19 with night sights, (2) reloads, tac flashlight, SR RMD
Trouser Pockets = Wenger Highlander SAK, SR Swamp Warden, Swedish Firesteel
Get Home Bag = More ammo, Dogfather, etc.
Its only paranoia if you don't ever need it <img src="/ubbthreads/images/graemlins/paperbag.gif" alt="" /> .