I opted for a do-it-all gear list for a long time now, to go with my minimalist lifestyle. Which works in any environment and weather for 3+ seasons. This mindset is often criticized by experienced backpackers. Since it is "better" to have specific gear for a specific environment. I totally respect this mindset and understand its pros. That being said, for many years now, I have tested and experimented with different gears. I can say with confidence that it is totally possible to achieve a universal gear list. Before we start, please understand a Jack-of-all-trades gear list is not for everyone. I will lay down some of the pros and cons of a do-it-all gear list.

Cons

• Weight (it is nearly always heavier than specific gear to an environment).
• Less cutting edge with your environment (like carrying a storm-worthy shelter when you could have used a tarp).
• Wears out quicker (you use more often the same gear so it is bound to happen).
• You still have to add or remove gear depending on the trip (you won't carry a paddle if you are not planning to be on a river).

Pros

• It is cheaper (you don't have to buy 3 different shelters for every condition).
• It is more travel-friendly (you can trek in the desert of the Middle East and in the mountains of South America without changing gear).
• It is simpler (once you are confident about your gear, you don't overthink what to bring).
• Saves space (you don't have to store a couple of sleeping bags, a few shelters, a bunch of backpacks). A big plus, when you are living on the road.

Means you work less, and travel more often.

• Get a smaller/cheaper living place.
• Adjust your meal with what is on sale that week.
• Cancel any newspaper, magazine subscription.
• Pay all your expenses with a cashback credit card (or air miles points if you are into that).
• If your cellphone is not mandatory, consider cancelling it, or switching to an internet line (much cheaper).
• If you are really a movie fan, go for Netflix instead of movie theatres.
• Keep track of all your expenses (to see where your money gets sucked in).
• Wear your old or used clothes, instead of buying new ones.
• Same goes with upgrading your electronic toys, like smartphones, laptops, cameras, always buy used one.
• If you are living where public transportation is easily available, ditch the car.
• Spend less than you earn (A cheesy money saving line, but none the less true).
• Find a cheaper hobby than going out.
• Cancel your gym membership and get the discipline to do it at home. (Have a recording of an army sergeant screaming or buy a whip if needed.)
• Stop smoking, stop drinking (calculate the money you would save if you need some encouragement).
• If coffee is a must, brew it at home, instead of going to drive-thru.
• Make your own meals, always cheaper than restaurants (even if you go to a buffet and eat as if you are in a food competition).