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Hey Dutch.

An ankle holster is not a good place for your primary or only carry weapon. It's a decent place for a back up, but sitting could get real interesting, although it might be a little easier to get to when driving. I would recommend against just pocketing a gun as there's nothing to protect the trigger. It might eventually wear a hole in the pocket and you could end up pulling a Plaxico. And like USA1 said, drawing under stress is difficult enough. It sounds like you're not much in favor of an OWB at this time, so I would recommend IWB. MY MTAC Minotaur is pretty comfortable and concealment options for clothing are wide ranging.