Wow. Different strokes for different folks. A lot of experimenting and experience here and evryone seems to have found something that works for them.
Me? I work in an office five days a week, 7 a.m.-3:30 p.m. Most of the time I wear fine wool or fine cotton pants with a sport shirt or dress shirt and tie. Sometimes I wear a sweater vest, or a sport jacket. Very rarely do I wear a suit. So, I rarely have the opportunity to carry on the belt.
I carry a S&W 642 in an Uncle Mike's pocket holster every day. It is lightweight enough so that it doesn't sag my pocket, and small enough so that it doesn't bulge. I carry a speed strip in the offside pocket. I have tried other combinations -- a Colt Detective Special, a S&W 640, a Seecamp LWS 32, a Walther PPK/S. Nothing
works for me like the 642.
I have a Model 19 2.5" snub, too, and a 686. As soon as I get a nice Blade Tech kydex holster for those, they'll start riding under my jacket. For now, on weekends or under a sport jacket, I rely on a BHP or a 1911.