For the sub compacts I have heard only good things about the pocket holsters when a quality one is purchased. This will keep the pistol properly oriented in the pocket and break up the outline so that it should not be recognizable as a pistol.(May not work in spandex) There are also quality garments made by companies like 5.11 tactical that sell systems specifically made to conceal firearms. There are pockets in their garments that are made to allow access and holsters with velcro that will attach in the pocket to maintain orientation of the weapon for proper access. This would be great for colder weather or at night in the high desert of NV.
I carry a full size large-frame XD so the garment carry didn't work for me, but it was what I really wanted. Pocket carry with the Kel-Tec should be safe, convenient, and discrete.