Grandmastem,
I have a Fatboy and it is amazing what you can carry in that thing! It is SLOW to draw from, but fairly comfortable and in my opinion, a better mode than a fanny pack. If you wear shorts and t-shirts a lot, you might find a J-frame, especially an air weight, in the pocket is better than the Fatboy. When I obtained my CHL, I thought I would carry my Sigma 40F, or H&K P7, or Model 625, and was amazed to find out why the old-timers carried J frames instead of larger pistols. My EDC is an air weight J frame Centennial in the front pants pocket with a Seecamp .32ACP in the other front pocket as a New York reload.
Best of luck,
Dave
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