Every holster selection will involve varying degrees of compromise among the four basic factors involved, (1) comfort, (2) concealability, (3)accessibility, (4) retention.
For your 4-inch K-frame, the barrel length is the easiest part to deal with, as it requires little to conceal it. The grip frame, on the other hand, can be quite difficult to conceal with many holster options.
Carrying inside-the-waistband (IWB) requires clothing selections that permit at least 2 additional inches in the waistband. Outer garments can be shorter, so long as the waistband area is fully covered.
Carrying outside-the-waistband (OWB) permits normal sized trousers and belts, but requires somewhat longer outer garments to fully cover the holstered revolver.
For most folks, IWB carry suffers from the comfort aspect, while it is certainly more concealable. Also, OWB carry offers higher comfort while requiring some thought to wardrobe selection.
Cross-draw applications and shoulder holsters are really only applicable to a very narrow field of applications, and each presents additional challenges for concealment, comfort, and accessibility.
Think about what you wish to accomplish, what is most important to you. Then communicate with a holster maker or two, express your needs clearly, and see what recommendations they might make. You might be surprised with something that you never would have thought of.
Always keep in mind that a holster design that is strong on concealment but weak on accessibility, or a holster that is strong on accessibility but weak on concealability, or any other combination that is "wrong" for your purposes, will most likely end up being left at home and not be with you when the situation requires an armed response.
At the most extreme, we have to deal with situations with what we have chosen to carry with us. If we don't have our sidearm, that means fists, feet, fingernails, teeth, maybe a handy rock or something else. Do your homework, look at what is available, get advice from others who have carried under your circumstances, and make a choice that is right for you.