I carry a model 649 chambered for .357 mag, inside the waistband on my right hip. So far, this has been the best compromise for CCW in the seated position in the car, just walking around, etc. I carry in leather to avoid chafing, and my holster has a special clip that hooks over my light belt to prevent the holster coming out with the gun when I draw. My holster also has a special wire around the opening for the gun so I can return the gun to the holster without looking down to put it in the the holster. That way I can keep looking around for the inevetable additional problems.
I am considering going to a shoulder rig because it is even more advantageous to comfortable in vehicle carry. My concerns are that I have trained the drawstroke from the hip for something like 23 years now, and if I choose my shirt carefully I can literally carry all day wearing shorts and a t-shirt, and only a cop who knows what he's looking for is likely to spot me. If I shoulder rig that puts the gun under my right armpit. No t-shirt, and I might have to start picking out CCW clothes that will cover properly.