damn only 8+1? my magazines are 15+1, and I always keep my firearms chambered. during the summer i tend to do a 12 oclock carry, but winter I do the same -- jacket pocket. on the motorcycle it goes in my breast pocket, which is scary af if I have the inevitable slide from the broken rib perspective. my coworker recommended the CYA IWB holster, which looks alright, but the security seems... sketchy.
like you saw, right now I have basically a trigger guard and that's my "holster". definitely want something much more substantial that flattens the profile, or smooths it out, so at least during the summer months people around don't see an obvious pistol grip under a shirt. I refuse to open carry just because i feel like it makes one more of a target to be fucked with by LEO. shit, I have an old acquaintance that had all of his firearms confiscated simply because he was open carrying in a more "up class" gas station, despite having a fully legal and current concealed permit.