Lots of interesting comments and ideas, diversity at its finest
as I said initially in my OP, I'm setting up multiple GHB's.
So now my answer to my own question... On me, normally, my 1911 8+1 and 2 10-rounders. In day/EDC bag, 3 more 8 rounders. Plus the usual knives, lights, matches, etc. All three vehicles have identical GHB'S, including first aid stuff, bandanas, water, straws, snacks, blankets, etc. Each also includes a pair of G26 and 1911 8 rounders.
Well hidden but immediately accessible in the house I have a folding kel-tec su16 (cool gun, takes standard 30 round AR mags) in a Hazard4 bag, with 4x30 and 2x20 magazines. Padlocked with key within reach (but not visoble) means a grab-and-go rifle in 5 seconds out the door.
For HD we have AR's AK's and Hi-Points in various safes up and downstairs. All have loaded mags close by. Anywhere from 6-10 loaded depending on the gun. ALL handgun caliber magazines have HD ammo, regardless of location.
I don't have quite as many magazines as mclina, but I'm well past the point of likely ever needing them all at once and getting to the "investment" state.
l definitely agree with the "why have unloaded magazine" and "you may not be able to recover them after you empty them" philosophies.
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