Here's my situation: With everywhere in the US now a "border town" (if YOUR town isn't, it soon will be), I've decided that carrying at home is a good idea. I can't count on having enough time to get to a gun; if I don't have it ON me when the door is suddenly kicked in, whereever I am in the house, I'm screwed.
I seldom go out (par for the course is one trip a week to Walmart, and maybe one other trip somewhere). My everyday wear is comfortable sweat pants or shorts--no belt in either case. I also spend about 80-90% of my waking time sitting, either at my desktop computer or reading in a comfy chair.
I have a couple different types of shoulder holster, but they're a pain to mess with every day. ('Sides which, The Lovely Mrs. Snake would rag me mercilessly about it, so I ain't going there.) I decided last year that some type of "belly band" holster might work well for me. I was starting to research the available models and prices, as well as the idea of crafting my own out of "surgical elastic" of some kind when I saw a YouTube ad for the "VNSH" bellyband, which looked like exactly what I had in mind. I ordered one immediately, and even paid extra (I think it was $5) for a "lifetime warranty" which gives me the right to exchange it for a new one if it ever breaks or wears out.
So Comfy It's Like It Ain't Even There
vnsh.com
The bellyband/holster was delivered within a week and it seemed to be everything they said it was. It's VERY comfortable and secure and simply vanishes under my sweat pants. My only complaint with it is that it's set up for compact size autopistols; it will take full-size autopistols but will NOT accept any sort of revolver including a J-frame Smith.
The bellyband can be worn in any position you want, and will carry the gun right-handed or left-handed. Appendix carry was a non-starter for me for a number of reasons. Crossdraw on the left hip was reasonably comfortable, but due to my own body issues, not particularly fast or accessible. Normal draw at or just behind the right hip is comfortable when standing, but sitting is both uncomfortable and hard on the furniture.
That's when I decided to try the long-forgotten "cavalry carry," which is butt-forward on or just behind the strong-side hip. This is as comfortable as crossdraw carry, but WAY more accessible, and it isn't hard on the furniture at all. The draw is a little tricky, but that's a matter of practice. I experimented with various guns as well as several different CO2/BB replica guns (which are full-size and full weight) and determined that what I really want for this bellyband/cavalry carry/all day every day deal is a conventional SA/DA automatic of some sort. The only one I have is an old Smith 5906, which would be perfect except for its weight, which is as much as an all-steel 5" 1911, if not more. I'm keeping my eyes open for a used Smith 5904 or any other reasonably priced SA/DA 9mm semiauto in the 26-32 ounce weight range. (You might remember my "School Me On Berettas" post of last summer.) Until I can get one, the only suitable guns I have in the right weight range are lightweight 1911s (either Commander or full-size). I'm not 100% comfortable with Condition One for this carry, nor Condition Three, so I'm kinda stuck with Condition Two, cocking the hammer on the draw.
So that's MY thoughts on the subject.