If I'm gonna go to the belt to support a gun, I'm gonna go bigger and heavier than the 642.
Mine fits nicely in a front pocket...being totally smooth it's a fast, sure draw, and I can drop it in on the way out the door when I don't have the desire to go with heavier weaponry. Not instantly but my pant do start to sag without one if I'm doing anything more than sitting around the house
If I'm going to the belt I'm carrying my Colt Defender tucked in tight between a broad leather belt and pants at 4 o'clock, and I can even tuck my Glock 29 in there.
If I'm gonna strap-up with any kind of rig, I won't be wasting the effort on a 5-banger .38 Special, no, I like to use it as "nature intended"....carried free and easy...casually, but "something" if the need arose.