Decisions having to do with firearms can easily be over intelectualized.. You can "what-if" yourself into a corner. What load, projectile, what cal, what barrel, iwb, owb, and on and on and on. You can not plan for every remotely possible situation, so dont. What you will end up with is a plan that only 10% effective in a given situation. I put in place a plan for what is likely and mentally consider the odd-ball. That way I can very deal with 90% of the situations in a effective manner and hope not to be caught off-guard on the odd ball. I keep it simple and wear a standard pancake holster and thats it. I shift it a little more forward on my belt when in a car and push it back on the hip when not in the car. I find it easier to train for one style of draw(strong side hip), and train myself to do that while sitting or standing/walking or down on one knee.