Stays in my standard OWB position
3:30-4:00, with a forward cant. As Pax noted, the issue is keeping the cover garment untangled from the seat belt. The seat belt itself is a non-factor. The forward cant is essential to grip access, though.
Or I may lock it in my center console vault, depending on what state I'm in. There are one or two where transport in the vehicle is ok, but my CCW has no reciprocity.
A friend of mine in FL has a mid 90's Chevy 4x4; it has a secondary glove compartment under the stereo, and he keeps a J-Frame there. Tap it, and it pops open, with the J-Frame in an attached holster. Pretty fast access, but it's not going anywhere without his drawing it.