I much prefer IWB, 1911, between 3 and 4 o'clock, . . . or in a shoulder holster under my left arm pit.
I have carried, . . . it is safe, I believe, . . . my Colt DetSpec .38 at about 2 o'clock, . . . appendix carry, . . . it is very comfortable, easy access, does not interfere at all when driving.
The downside is for me, . . . I don't like a shirt hanging out over my belt. One of them things I picked up as a kid, . . . prefer shirt tucked in, . . . so I wear a vest a lot and / or a cover jacket of some sort.
AND that can make for haveing to be very careful if you are appendix carrying, . . . that you don't inadvertently brandish or give away you are carrying. Mostly when I do it, it is in the summer, I'm wearing a short sleeve polo shirt.
May God bless,
Dwight