I'm close to your size with an athletic build. I used to carry semis IWB at 4 o'clock with a cant to now a J-frame revolver at 1-2 o'clock with a reverse cant in a Remora holster. For me, appendix is much better (deep concealment, no printing, most quickly accessible, either hand, etc) but I could never get comfortable with a chambered "half-cocked" semi pointing there, not to mention all my semis (even a tiny LCP) ride too high over my belt line becoming rib jabbers.
The reverse cant on my 638 has my grip running horizontal, ~1" over my beltline, and acts as a "hook" so the gun cannot sink lower (this is friction holster, after all). The grip is totally hidden in my slightly bloused/tucked shirt. The barrel is roughly at a 45-degree angle, and so also follows the ~45-degree crease between my thigh and torso, when in a seated position.... very comfortable, and truly invisible.
I'll echo what was said above.... try a Remora IWB holster for ~$25. If nothing else, you will at least be able to test infinitely variable locations, and cants, to see what works best for you - then you can buy fixed holster for it.