(Not in reply directly to the OP) - Extra mags are not a good idea only because of the extra ammo they carry, they're a good idea also because of a jam/FTF/FTE that might happen for any number of reasons. It's faster/easier to clear most malfunctions in the same motion(s) used to reload a mag, and even if you don't have a malfunction, tactical reloads are taught at every advanced handgun course I've ever taken anyway. 12 rounds may indeed be "enough," but even if you only fire five or six rounds in an initial engagement, is it your habit to reholster immediately, or do you scan the area for accomplices of the bad guy as you're doing a tactical reload? If "12 rounds is enough" for one bad guy, are only six or seven "enough" for the undetermined number of friends waiting in the shadows to pounce when they see that you're totally focused on their friend and not what they're getting ready to do? Some things to think about.
(In direct reply to the OP) - I carry one extra mag in a small leather OWB holder weak-side on my belt. Concealability is not an issue for me since I open carry more than 90% of the time. Back when I concealed all the time, I nearly stopped using traditional holsters altogether, and used a shirt-carry system instead. The one I used was called "Link Removed" but 5.11 and others make various designs of widely varying prices too. It's a compromise, to be sure, mostly because of the cross-draw positioning, but you've already announced your willingness to compromise your carry practices because of your (apparent) unwillingness to move your phone from where a mag holder would normally go anyway, so it might be just what you're looking for. As RJT CCW said, if you're going to depend on a belt to carry the added weight of a gun and (at least one) extra mag, get a good gun belt. Again, many makers out there, some with lifetime bennies, like free resizing if you gain or lose weight, some with greater or lesser periods of warranty on workmanship etc., and some that are either more than you need to spend or too cheap to be of adequate quality for what you need. Gotta look around and ask about specific makers that you're interested in. As far as cell phone, keys, pocketknife, change, wallet, etc, I strongly suggest they stay in pockets and out of the way of your draw-stroke or reloading motions. If you can't accomplish that, then a shirt system may be your only (better, but not *best*) alternative.
Blues