I have my Ky permit and carry regularly.
I normally carry a Para 6.45LDA but have a 3" S&W 66 that carries nicely.
The Para carries OWB or on a clipdraw. I have both IWB and OWB for the 66.
On occasion, I'll carry my S&W 625-3 3" in a CABO holster-normally in the winter.
Dave