As others have pretty much summed up, what works for you may not work for the next person much of it is figuring out what is comfortable. There are some forums that revolve around conceal carry and lots of discussion on holsters, clothing, etc. The very best advice I can give is to find someone that has a similar body type as yours, and find out what they use. Learn from their mistakes and successes, it will save you money. Off the top of my head, generally skinnier/small framed people find IWB carry in the 4-5 o'clock position (if right handed, or 7-8 o'clock if left handed) with some cant works great, I fall into the category so thats actual first hand experience. Having an OWB is too obvious with how my clothing falls on me during warmer months, I would have no trouble during the winter though with an OWB holster, but I try to be consistent with my carry methods and not mix it up too much. If you are a little bit bigger build, iwb may still work but move it around close to being on the hip vs towards the back. A little bit bigger set than that, OWB on the hip or slightly behind works well. Depending on how you dress, a shoulder harness may be a good idea. Some people like appendix carry as well, but I have never tried it and would think if your gun is too big it could be very uncomfortable when sitting.
Some general advice that will help you save time and money though, buy a good gun belt - especially if carrying OWB. IWB you can get away with a thick/stiff generic belt but OWB a good gunbelt is a must. Holster type will take a bit to figure out what you like, but be sure you buy something quality. Keep in mind if it is leather, as it breaks in it will get more comfortable with time kydex you are stuck with what you get.
Advantages of kydex holsters are they will probably last a lifetime, you get smooth quick draws from them, they generally don't cost an arm and a leg. Kydex is also impervious to sweat, so it can really help protect the finish of your carry piece. Downfalls is they cause hotspots as far as the wear on the gun, and obviously it won't conform to your body and potentially be as comfortable as leather. I say potentially because you may find the right kydex holster which is perfectly comfy.
Leather is generally going to be more expensive, depending on your preference you may like how it looks better. You get a more even wear on it vs the "hot spots" kydex can cause. You have options generally of horsehide vs cowhide, horsehide is more expensive but resist sweat better. Downfall of leather is break in time, and that it it will take wear and tear. A good quality leather holster will last plenty of years, but it is an organic material and not indestructible.
Forgive me if I am wrong, but judging by your name on here that you may be female. If so corneredcat.com is a great resource for female carriers, and not just picking out a holster.
But it has actually been a very good and reliable gun with over a 1000 rounds thru it) its a little to big for my taste but it will have to do for now. I'm just wondering how i should carry it? and how other people that carry guns of similar size accomplish it? i have a leather holster that hold the gun high and tight and its ok but im wondering what other opinions you guys would have.