Thanks for the options:
To answer several posts in one.
small of back carry ruled out due to risk if I fall on my gun doing myself injury in the process. Read too many reasons why small of back is bad I guess.
I have to believe this is a myth. There is not a single patient at The Shepherd Center here in Atlanta that has a spinal cord injury due to the use of a small of the back holster. I have never seen a person in a wheelchair who got there for the above reason. Since I do use such a rig, I will say that it is difficult to reholster a firearm; nearly impossible to draw from with your weak hand; and close to impossible to sell if it does not work out for you.
I am considering a shoulder harness but they are expensive and I really want to test one out first. I already have to return one nice Desantis holster because it is incredibly uncomfortable. It looked ok in the store but I wasn't really prepared to try it on there and when I got home there was no way it would fit me at all. It basically made the gun poke everywhere, butt end of the grips into my chest, muzzle into my hip and I couldn't bend or twist. Yet a lot of men find them very comfortable.
Shoulder rigs do not fit busty women or barrel chested men very well. I feel the horizontal carry rigs are dangerous as the barrel sweeps everyone the wearer passes. These types are not fast to draw from and one must sweep a wide arc to bring the gun on target.
I'm also looking at some of the t-shirt with underarm carry pockets as well.
I believe this will work for you, but it is not a quick draw option.
Now there is a business opportunity for some LGS. Get a variety of holsters, even some of the custom ones if possible and let people actually try them on.
HA!! As you are finding out gun leather is very costly, and there is a large variety of it. Not a lot of shops can afford to tie up their capital or a wall of space for accessories that may or may not move quickly. Leather, nylon, Kydex, OWB, IWB, shoulder, LH, RH, etc. So many styles, types, designs to choose from make it difficult to stock what might sell best.
Cargo pockets put things like my cell phone and camera in harms way because I use my knees and legs to catch and hold sheep. Rams horns can poke places you really don't want them too. Rams don't butt us more than 2 times before they are history so it's not butting it's using my own body as a head catch.
Have you considered a fanny pack ?
I also found that stuff in cargo pockets got in the way kneeling. Stuff in any of the pockets shifts and then I can't kneel comfortably. I do fine with stuff on my belt, I routinely carry things on belt pouches and the gun doesn't get in the way of any of my normal activities so far but isn't always invisible.
I'll keep looking. No wonder women end up with many more holsters than most men :sigh: