Forgive me for the ignorance and no offence intended, but what is the point of using belt kit for a civilian? Isn't the point the you can carry and access things when there is lead flying or you are running around fighting. Isn't a daysack more practical in the real world?
I have a belt kit on camps as well as a little rucksack; mine has a knife, my house keys, sometimes money, and a face mask for smoky fires, plus a tinder bag, a compass, tissues (my nose runs in the cold), maybe a phone, and string. In a real survival situation, I'd also put a fire kit in there, but I'm dubious about the practicality of making a fire to survive in any situation I'm likely to be. And you can clip stuff to it (gloves, a saw, a torch) if you're actively using a tool.
It's the bare minimum I want within arm's reach at all times. I guess it's also about mentality - I tend to take off my rucksack and put it down frequently and instinctively, whereas it's a very active choice to remove a belt. It's the last thing I do at night.
& it's also about splitting down your kit into priorities. I have a massive rucksack with sleeping stuff in, a detachable daysack for things to have on hand - but in an emergency I can hike out of there with my essentials (hiking pole, cloak/blanket, knife, money, house keys, string) & I'm very happy with that as a super minimalist kit for scrambling back to the car. Between a pole, a blanket, a knife and cord, you can solve a fair few problems, but with a plan to prioritise a tiny weight to get out of there asap.