Well the maximum number of clubs allowed in a players' bag is 14 so nearly all amateurs take full advantage of this.
A good set up depends on the player and what you like,
Driver, 3 wood, 5 wood, 3-PW, SW, LW and Putter. This would be good for a longer course, but if you played a shorter course you may want to replace the 5 wood or 3 iron with a Gap Wedge. Also, some players struggle hitting 3 and even 4 irons, so may replace them with hybrid or rescue clubs. A 5 wood plays around 18-19 degrees, so you could get a rescue or hybrid at that loft and add an extra wedge as well.
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The highest number off Golf clubs in a bag for a competion is 14.
In the Royal and Ancient golf rules under section 4.4 a it states:
The player must not start a stipulated round with more than fourteen clubs. He is limited to the clubs thus selected for that round, except that if he started with fewer than fourteen clubs, he may add any number, provided his total number does not exceed fourteen. The addition of a club or clubs must not unduly delay play (Rule 6-7) and the player must not add or borrow any club selected for play by any other person playing on the course.