I usually carry on the hip. I do a lot of driving so it is a good compromise of concealment and comfort, both in and out of the vehicle. Of course, this is when carrying my HK P2000SK, which is a pretty small gun. When carrying larger guns IWB (Beretta 92FS, S&W4506, etc.) I usually carry slightly behind the strong side hip.
I've tried "appendix carry" and found it uncomfortable when seated, hard to release thumb-breaks, and more difficult to conceal. I know others who always carry in this position, so it's more personal preference.