Tamara may chime in. She seems to like her Tomcat...Here are my thoughts.
I like pocket carry (with my P-32). It works with any level of dress. But ALWAYS use a pocket holster with pocket carry. Otherwise:
-The pistol may shift into an awkward position and be difficult to draw.
-The trigger is exposed, and reaching for a shifted pistol 'could' cause an ND.
-Lint/gunk can get into the barrel, action, etc.
A pocket holster need not be expensive. I have a $10 Uncle Mike's and it is satifactory. I have heard great comments about RJ Hedley's holsters here and elsewhere.
I also like Inside-the-waistband carry, but if you're going to go in-the waistband, you can carry a much bigger firearm, and you should. Same with fanny pack/bag or other "off body" option.
I don't particularly like bags because, if you ever lose your bag, you've lost your pistol and that complicates things tremendously.
My opinions only.