I have a nice, heavy wool coat that I wear off duty when it's really cold, like Sunday morning when it was 3º F. I put my S&W Model 642-2 and pocket holster in the deep slash pocket on my strong side. When I go in somewhere and have to take off my coat, the 642-2 and holster go in my pants/cargo pocket. My belt gun stays hidden under my sport coat, sweater, or fleece.

On duty, my duty gun rides outside my bomber jacket, my 642-2 rides in my cargo pocket, and my S&W 12-2 rides in a shoulder holster (for those times when I'm buckled in with a seatbelt).

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CPT, Armor (Ret)
Luke 22:36