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Belly band for me. In the winter I wear it outside my shirt as I always wear a vest. It works handy as a decoy also using the following scenario:

Bad guy walks up and is wielding a knife or gun. You quickly say, "i have $1000 cash in my pocket" while reaching to the inside of the vest like you are getting the money. You then pull out your firearm instead of the loot he was expecting to get!

In the summer I wear the belly band inside my shirt. I have always worn button up Chaps style shirts. Simply grab your shirt and yank to break the buttons loose.

I am right handed and keep the firearm on my left rib cage for a cross draw which feels the most comfortable to me. I have thought about carrying in other ways (IWB, AWB, Ankle) but they just seem awkward to me. I have never been made while carrying. Not even by my wife. I carry a S&W model 442 Airweight 38 Special revolver loaded with 38 Supers (had the cylinder chambered in 9X23 which allows me to practice with 9MM and carry the 38 supers for protection).