My choice for everyday carry is a 642. It has the ugly hole, but I removed the internals behind it. I picked the 642 over a hole-less 442 because it's common and if I ever lose it to an evidence locker, it's no great problem. With Barami Hip Grips, a shirt tail covers it and it virtually disappears. No problem sitting down at all.
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John
First, always use a holster for pocket carry. You gun is in a consistent position. Less lint in the action. Most important - keeps your booger hook off the bang switch while drawing.
Second, I can't imagine an everyday carry rotation without one. Really hot outside? Baggy shorts and drop it in a pocket (just don't try running anywhere).
Need to leave it in your vehicle for some reason? Taking a gun out of your pocket and stashing it between the seats or in your briefcase (yes, I'm that old) is more discrete.