Snub J or K frame S&W only, when I do. In a holster that covers trigger guard. For 43 years. I don't worry so much about shooting myself as the gun is holstered off body, then tucked in my belt. I don't draw it unless I need it so it remains safe and secure. It is covered by a shirt or jacket. It is a perfect balance of concealment and speed of draw for close range affairs. For almost all other carry of all other weapons I carry at 3:00 in a OWB or IWB holster.
Not the topic, but I don't get the concern that some have over holstering and re holstering guns. Certainly, one should practice this with an empty gun thousands of times before actually doing it until they can't possibly get it wrong. But when I carry a gun, I put it on and don't mess with it. I don't draw it, play with it, touch it or check it. It is ready for business and only carried for business. I try to carry combinations that don't require me to adjust all day. It may happen, but rarely. If I draw and fire my gun under life saving condition it will likely be in my hand until I hear the sirens....then if possible I will set it on the ground.