I assume if the clothing could let me get away with it at appendix position, I could just use an IWB. Does the bellyband buy you anything in that position?
Yes, it buys me the ability to wear dress pants that have too-thin (or utterly nonexistent) belt loops, or to wear skirts with elastic waist bands, with the gun positioned exactly where I am most accustomed to wearing it. Given the casual way I live, it's not a necessary deal very often, but my life would be a lot more difficult if I didn't have that option available to me when I needed to be more formal.
Would you ever wear a bellyband at the hip at 4?
I know at least one woman who does so, or who did do so a couple of years ago anyway. (Not sure how she's carrying these days.) No reason not to try it!
For me it wouldn't work. I'm such a classic hourglass that anything on or behind the hip is terribly uncomforable and poorly concealed. But that's a personal-shape issue, not a drawback to the method itself.
Good luck with the search for an IWB that works for you. Personally I found that if I did not have a
tuckable IWB, my clothing choices would be a whole lot more limited indeed. With the tuckable, I've just got a whole lot more options and that's good. One nice thing about the tuckable is that you don't have to tuck when you wear it, but the option is there if you need it.
For men, finding one method and sticking with it seems the way to go. But for women, our clothing choices are a lot more varied, so I think we also need to be a little more flexible in our carry methods -- even though consistency is important too. For me, I found one primary technique (tuckable appendix IWB), two on-body alternates (belly band or ankle holster), and two off-body alternates (purse or fanny pack). I use the primary IWB method probably 90% of the time and it works well. But without the alternates, the other 10% of the time would be very very awkward or outright impossible.
pax