Thanks Riceboy. Sort of the stroking from fellow enthusiasts I was hoping for, and serves to offset my wife's response, which was a roll of the eyes.
The foam is the "Craftsman" 1/2 inch drawer organizer foam. If you google that you'll see it. It is the same product marketed under other names for more $$. At my Sears it was $19.99 for 2 sheets of 1/2 by 16 by 22 or so. It comes with a small razor blade knife and adhesive "template" paper. You can loosely stick it on, and trace your items onto it. I then used a larger utility knife for the main cuts and the small included knife for the final cut throughs. Whole process took about an hour. Edited to add: Foam is easy to work with. It's easy not to cut to far. One recommendation: don't cut the holes quite as large as the traced lines-I overdid a couple as you can see. It is better if the items fit snug.
My favorite carry combo varies, depending on what gun I'm carrying (in pocket, or usually in holster, or both).
My newest infatuation is with the Novatac 120P I got a couple weeks ago. Then I either have my L0D with my keys, or if driving my wife's car, the P2D, which is also new.
For knives, I like the Spiderco Street Beat mounted horizontally on my belt at about 1:00 position if wearing a vest. If not, the benchmade fixed resistor vertically on belt at about 8:00.
Thanks!...Jeff.