An S5 with the 20-60mm lens, several adapted primes and telephoto zooms, and a GX7 with a decent supply of µ43 lenses.
Last time I was here, I blew the budget on a Σ 100-400, which became a Lumix 70-300, then let it all go as I had medical bills to pay. This time? My Z6 detour brought me into a few cheap one-touch zooms in Nikon-F mount, and those will keep me from spending more while the medical bills are paid down.
Older, perhaps wiser?
The smaller kit's prime spacing of focal lengths isn't ideal, but for now it will do.
I'm covered at 20mm/e in both formats, with a native >1:1 macro here, and 600mm/e for when that seems like a good idea.
The S5 can do things I really like, and several other things I've dreamed of but have not yet achieved (nice 4k videos, composite images, super resolution shots).
Learning these features will occupy more of my time, rather than presuming that another camera would do a better job. I'd decisively proven that by owning almost everything in the past fifteen years.