My tactical purse, as my wife calls it, is a 5.11 Tactical Bail Out Bag. You can google for pics. I've had it for 2 years, done range games with it, it's held up. I carry it every day in the car as my inconspicuous first line setup as well. I keep typical BOB gear in it and it doesn't look too tacticool in plain black. They're about 65 dollars, but the material and quality is there. Doing mag changes from it is easy, and I think for an all in one solution, it works fine as a gp range bag/mag pouch. You can fit 6 AR mags or 3 AK style mags in the front pouches and pistol mags in the side pouches. It's got a little bit of molle on it for add on, but I wouldn't use it.
Secondarily, I've got a tactical tailor suspender / duty belt setup with hsgi taco pouches, a tactical tailor roll up dump pouch, and some kydex gear I put together thanks to knifekits.com; Here's a link to my gear photo on another forum, http://forum.saiga-12.com/index.php?/gallery/image/6951-p6220026/
. It's from the saiga 12 forums. That's a pic of my 308 saiga I converted, great rifle, just hard to get any replacement parts for. I recently switched back to the m4, and have gone to h&k's for my primary sidearm.
What I like about the duty belt based rig is it's easy to dump off, it doesn't get in the way of a pack, and those double stack universal pouches will hold almost any type of magazine as long as they are tall enough. Also, going prone with a LBE/chest rig/vest sucks. I haven't had to crawl in mud with one on since I was a Jarhead, but I remember digging nice furrows in the muck with my chest pouches before. That belt rig is pretty low profile. With a decent jacket, it's not too visible to boot.
Next for me is some form of tactical vest or chest rig, I'm still shopping. I'm thinking one of the VTAC 5.11 molle vests. I'm going to get something decent in molle format, and put highspeedgearinc, hsgi, pouches on it. They're the best I've ever used, but there are alot of good products out there. Just read the reviews. 40 dollars is alot for a tactical pouch, but one you can repair yourself with minimal supplies is reasonable for me.
To summarize. Start small, identify needs. You can't buy your way out of a problem, but if you buy crap, it will fail you when you need it most.