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.
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.