A good belly band is very versatile and a must-have item for anyone who carrys concealed, IMO. I use mine, a galco, to conceal either an sw99 or a j frame, and on rare occasions, both.

The most common way I use it is very low on the waist, to enable IWB carry at 4 or 5 o'clock. I do not wear a belt.

For comfort, i always wear a t shirt under the band, even when carrying low on the waist since the grip of the gun sticks out above the band and will chafe your skin.

YMMV, and good luck.