Opinions may definitely differ, but I use a simple Uncle Mike's with a clip for appendix carry inside my waistband. I carry. Sig P238, and it is reasonably comfortable.Also, I have a Kydex holster that a friend custom made for me - had to borrow my gun for a couple days. It is great for concealing the profile in cargo pockets and has a point that catches the pocket for easy draw. The balance between accessibility, weapon retention and comfort is very subjective.
Peace,
Bill
Peace,
Bill