Hi:
I have used a Galco "Belly Band" and have liked it.
I worn mine just above my waist belt "Off Duty".
On duty I wore it over my "Vest" just below my shirt pockets.
I carried a S&W 2" J frame or a Glock M27. I used the 'Belly Band" for a BUG. I also carried the "BUG" on my right side, gun butt forward for a "Cross Draw" for my left hand (weak hand) in the event that my right hand (strong hand) was disabled.
I am currently carrying my main weapon "Cross Draw" on my left side in a Fobus Paddle Holster with the paddle over my pant belt instead of the paddle inside my waist band. I am liking this setup more and more.
Jimmy