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.
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).
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).