Ah, now we seem to be zeroing in on the same target. My two every day CCWs are a S&W M60 J-frame and a Kel-tec P-11 9mm. I sometimes carry the J-frame in a front pocket, usually when I wear coveralls (no waste band for an IWB holster) but I'm not a big guy and find it bulky and uncomfortable. It is also very obvious that I have something in my front pocket other than a set of car keys. The J-frame usually rides in a leather IWB holster under an untucked polo/golf shirt when casual dress is appropriate. The P-11 is what I carry most often (12 rounds of 9mm) and generally is worn inside my waste band using a 'pocket' clip attached to the frame of the gun itself. If a suit and jacket are required my mode of carry does not change, I just do not remove the jacket. I can easily sweep the jacket back to fasilitate the draw.
So what I think what we are both saying is carry the most effective gun you possibly can by adjusting your wardrobe/lifestyle as best you can within the allowable parameters of your given circumstances.
Holly cow... that's a mouth full. But I can't think of a more streamline way of saying it.
This has been a good and enjoyable discussion Shootall.
Thanks for your respectful and enlightening participation.