I've used a smart carry for two years under scrub pants. I currently use a J-frame and a LCP in it at the 1 o'clock position just under the waist band. The j-frame's handle rides above the waistband but the LCP rides below. But there's no reason you couldn't use it at the 3 o'clock and they have models to fit extra mags. It rides outside of my boxers so it never contacts my skin.
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