As Old Cop stated, I breezed thru some of the posts so if I'm commenting on the obvious, sorry. Incidentally, I agree with him about carrying an empty handgun. Don't do it.
There tends to be a lot of information overload regarding concealed carry methods and tactics. First of all, don't necessarily overthink it. Keeping your carry method simple, as in "on body." I'm not a fan of carrying in purses, backpacks or totes because they can be snatched. Whenever the thief has the chance to go thru it later when they're no longer being chased, they now have your handgun as well as everything else. Worse, they just find your wallet, then toss the rest and a kid comes along and picks it up. I'm more included to recommend a fanny pack, and not necessarily something designed for guns because some of them look quite "tacticool" and advertise that there is a gun inside. Besides, access to a gun in a fanny pack is probably not any slower that trying to get a gun out of a purse or backpack. I also noted someone recommend lock boxes in cars. This is a great idea. They don't necessarily have to be the latest and greatest or most expensive bio-whatever safe. They just need to at least be a lock box that can be cable attached to something relatively solid in the car's interior. They're temporary at best.
I recommend first of all to start training with someone to gain confidence in what you're trying to do with what you're trying to carry. Learn the proper techniques at the range before you go out onto the street.
For beginners' carry methods, I recommend starting with a strong side hip holster. An IWB is easier to conceal than an OWB, but an OWB is generally comfortable to start with. Quality IWBs (or OWBs) that are going to wear better than something cheap made for the masses. Dress in such a manner as to be able to comfortably cover the handgun. Avoid clothing that is so overly tight so that the holster doesn't print, and wear cover garments that are long enough that the gun doesn't become exposed when you bend down or reach up - or the wind whips at your shirt tail. When you and your husband become more confident, then you may start looking at other methods. Just remember that either type of holster works most efficiently with a sturdy belt.