Unless of course you're going to look at one of those weird:
'don't shoot me untill I unzip my fly' holsters.
I use a Smart Carry every day, and it works great. Its one of the most comfortable and versatile holsters I own, and I actually have a couple . Its very easy to draw from and not as slow as you might think. I can actually get to my Seecamp there, faster and easier, than I can draw it from a pocket. Not that I'd put it in a pocket, to much other stuff already there.
One of the biggest advantages to them is, its the cleanest place to carry a gun. I also carry a Glock IWB, and it needs constant attention as far as dust, dirt and dust bunnies go. My Seecamp on the other hand, has very little dust or dirt on it.
Depending on your build and type of pants you wear, will probably decide the size of the gun. I wear Carhartt type pants, that are cut more in a "fitted" fashion. I dont have the excess weight issue many seem to have, but the fitted part does restrict size somewhat, or at least whats comfortable. If you wear loose fitting clothes, like sweat pants or generous cut jeans, you can carry a much larger gun.
IWB also works very well. You just need to wear something over it, and something that fits in, in all temps. I've always got along well with an untucked cotton oxford type work shirt (company issue "Wear Guard") in the summer, and sweatshirts and fleece in the cooler/colder weather.
