Concealment? Depends on your build and what your comfortable wearing. I for one when I had to carry undercover preferred a shoulder holster. I'll probably open a can of worms here , but that's ok. A lot of it is the type of clothes you normally wear. A wise old police chief once told me, " You might be in the state of excitement, but for the most part the untrained eye will never notice".
As far as storage goes, I have no children, so I keep it cleaned and loaded on the premise that no one ever got shot accidentally by "I didn't know the gun was loaded" syndrome. I'll probably open another can of worms here, but that's ok, too. ( I use my pistol for home defense, so I can't see bumbling around in the middle of the night loading it)