I realize this entry is coming from an 80s shooter and not a pro, but it's based on personal experience. I figured that you would appreciate it.
It is my belief that most high-handicappers carry too many clubs, mostly clubs that they struggle with. Since golf is hard and simplifying it is impossible, We will simplify what we can namely what you carry in your bag.
With the vast forgiveness of the newer drivers, Driver will be in the bag and obviously a putter. So now we figure out the rest. You higher handicappers should ask this question: Can I consistently hit a 3-wood from the fairway? I know I can't so I carry a 4-wood. But for most, the need is for more loft. When I was struggling, I had a 5-wood in the bag, it might be a 7-wood for others.
Next what is the longest iron you hit consistently? For higher handicaps this is probably about a 7-iron, it could be a 6-iron but for this demo we will say 7-iron. So basically your iron set will be 7-iron- pitching wedge.
Next I would only play one hybrid something between the loft of your fairway wood and longest iron like a 5-hybrid.
Finally wedges, now if you struggle to break 100, you really only need one extra wedge a sand wedge, if you are in the 90s a gap wedge and sand wedge are fine, and practice with your 6-iron because you'll add that when you can consistently hit it.
So in conclusion, a Driver, lofted fairway wood, 5-hybrid, 7-PW, SW, putter is plenty to break 100. Add a gap wedge at high 90s and a 6-iron at consistently lower than 95.