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We also ride, and I've been thinking about this also. Usually I wear cargo-type shorts too, so it's usually not a problem.

I'd avoid the bike-attached pack, just because if you stop somewhere and leave your bike outside, it might be awkward to remove the gun or the pack and carry it in. I think the rear pocket is the better option. My only concern is that a P32 in the KT pouch in a rear pocket is not quickly accessible. Also, in really hot weather do you still way shirts with rear pockets?
I think the belly-band might be hot.
The best option I can thin of is a small fanny-pack. This is what I do.
Anotehr possibilty for the P32 might be the neck lanyard, depending on how loose your shirt is. doesn't work for me, but it might for you.