I wear mine at 3:30 using the second hole from the bottom on each side. I think that you will have to work and find what works best for you as everybody is a little different. When I first started carrying, I remember it being uncomfortable as well. Now, I don't even notice it. There are some things that I changed that worked well for me. First, I always wear a tight undershirt (beater). I bought pants a little loose to allow some extra room. But what made the most difference for me was loosening my belt a little. I guess I was really afraid of the gun printing or my pants dropping or something because I really cinched up my belt (Wilderness Tactical). I read on one of the forums to loosen the belt some, and it worked. It doesn't feel like it is digging into my side anymore. Much more comfortable now.
