For some people it takes a while before they find the right firearm and the comfortable way to carry it.
I was a die hard 1911 guy for most of my life until a motorcycle accident in 2015(and the 12 screws in my neck) made it painful to carry full size 1911s.
Nowadays, I feel well armed with either a Glock 19 Gen 5 or a S&W 638 Bodyguard J-Frame. I can carry either one of these firearms inside or outside the pants(lots of good holster choices available).
My favorite holsters are from Muddy River Tactical and Bravo Concealment. And I have recently become a fan of Kore belts. They're more comfortable than the leather gun belts I used to wear...
When I'm on my electric bicycle or on a walk, I prefer wearing a fanny back across my chest and will sometimes carry a Beretta APX. In that setup I top it off with a reflective vest to make me more visible on the road and cover up the fanny pack. If I'm on my electric bicycle I also wear a helmet that has lights in the front and back to compliment the lights on the electric bicycle. If I'm walking I carry a Jo(4 foot walking staff).
On walks or bicycle rides I also carry pepper spray for aggressive stray dogs I sometimes encounter.
For me a firearm is just one of the different tools(correct mental attitude, empty hand martial arts training, knife) that are part of my tool box for protecting myself and loved ones. I try to train one or more of those tools daily...