You guys make laugh so much reading this. As someone stuck in the male world for 53 years, I find the simplicity of all of this so nice; one of the transition pieces I may never alter much.
Simply put, minimize the cards to daily needs, an AMEX, debit and VISA card, maybe one or two department store cards, license, and insurance card, wrap with cash and clip with a medium metal binder clip; slip in front pocket. In the car, apart from car keys and house/work keys, keep a separate ring with reward key ring gadgets. The three things in your pocket for daily needs, the "wallet", key ring with keys only, and cell phone. Minimization is a good thing. When I transition to a purse it will be because ladies jeans pockets are worthless, my purse will have the essentials only.
You will find a simpler way is a lot better, one of the things I don't really want to give up.