For me, the money clip and keys are in the right pocket, and the smart phone goes in the left front pocket.

The keys and money clip are distinct enough that I have no problem pulling out the right thing. And the keys are not going to damage the money clip like they would damage the phone.

Same here. Phone in left. Keys, money clip, change, pocket knife and everything else in right. I try very hard to never put anything in my pocket with my phone. mostly for ease of access but also to avoid scratches.

I feel that the money clip and keys create too large a disruption in the line of my trousers, esp. with the newer fitted trousers.

Also, with the fitted slacks it's harder reach past the keys to the money clip or vice versa.

Phone is too big to be comfortable in a pocket, so I use a horizontal belt clip, which is pretty unobtrusive, especially if you wear a jacket or loose shirts. Wallet and keys in front pockets, leaving my arse free for comfortable sitting.