I've been CC'ing for roughly two years, off body in a MaxPedition bag. I've really liked it because I find it very comfortable and easy to carry. I also have a young child and therefore carry wipes, hand sanitizer, extra clothes, Uno, etc. so it's been pretty good for carrying. The thing is, it hasn't been the best option for carry at all times such as when dining casually where slacks are appropriate.
In the last month or so, I've picked up IWB holsters for my Taurus M85UL and SA XD9SC and I kind-of dig-it. It is so much easier than having to worry where the bag is at all times. Whenever I sat at a table, I would snap the bag around my waist. If I had to get up to do anything, I'd have to unsnap when getting up and snap when sitting back down. A slight hassle, but worth the trouble to be prepared.
Like anything else, I'm learning there are times and places for everything, sidearms and carry methods included. For ultra discreet in slacks and similar casual wear, the M85UL is ideal. I'm able to carry it wearing a Medium shirt without notice. When wearing a Large shirt, the XD9SC can come along. If shorts is the dress of the day, then the XD (large shirt) or carry bag will work.
Now, if I can only find a way to discreetly carry my 92FS, I'd be ready for pretty much any situation.