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Everybody has their own opinions from experience. What works for one may not work for you...so it's trial and error for you. Try to borrow, ask for a test and evaluation from the manufacturer or go to a gun show/dealer and try them on.
IMO
IWB = less comfortable, but there is really not a better way to have great concealment for a larger gun and still have quick access. A good starting point here are Milt Sparks VMII, K&D's IWB Defenders, AKJ Concealco and the Comp-Tac MTAC.
OWB = more comfortable than IWB, but you sacrifice a little in the concealment department by possibly printing more and having the possibility of your shirt riding up and exposing your rig. There are too many OWB holsters too mention, I like Kramer, Galco, K&D (again), FIST (a great first holster).
There is one true keeper in the holster world and that's a Delfatti. Since you wait so long, pay so much and it's so darn nice you can't offload it or throw it in a drawer.
Get one of each (OWB and IWB), most of us do. Take comfort in the fact that if you buy a custom and don't like it, someone here will probably take it off your hands for what you paid.
Paddle holsters have a larger profile and don't conceal well.
Ankle carry is my choice a lot of times, but I train extensively to be proficient at it. The best ankle holster is a Galco Ankle Glove.
Smaller guns can be pocket carried in a pocket holster. Many of us have a J Frame riding this way. I use a Kramer.
Never tried it but SmartCarry seems to be the best for deep concealment.
Friends don't let friends wear fanny packs. Just say no!
Off body carry is also a no-no. That's not a responsible way to carry a deadly weapon.
If you buy a concealment vest realize that you probably think it looks more stylish than it really is.
Since you're a novice, I'll echo past sentiments of many here by saying - by all means, get a good belt to carry your rig. It makes the world of difference. You can negatively effect a great holster with a crappy belt. I personally like wilderness belts for their adjustability and stability.
Good luck with your adventure.
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My art is different from yours; it consists not in defeating others, but in not being defeated.
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