I change carry weapons with the seasons. I also change weapons from time to time just because I want to carry something different. This summer I've mostly carried an American Derringer in 410/45 Colt. I carry in my right front pocket in a holster made for the gun. It is always loaded with buckshot.
When the weather cools some I carry a S&W 642CT in a Galco shoulder holster under a long sleeve shirt usually with a vest over both. I get up in the morning and put on the shoulder holster and wear it until bed time.
Keeping with the Christmas spirit, shopping in the big city during cold weather, I usually carry a Glock 27 or 23 in a Galco shoulder holster with 2 extra magazines. The holster is covered only by my winter coat. If the weather is really cold and my coat will have to be zipped up I usually have a 642 in my coat pocket as well as the Glock.
Come spring, during jacket weather, I usually carry a S&W 9mm Shield in either a shoulder holster under my shirt and jacket with 2 spare magazines or on my belt in a holster under a untucked heavy shirt.
I've tried ankle holsters but my pant legs are too tight to hide the gun or to get to very fast. Some winter coats have inside chest pockets where I can carry my 642 revolver in a pocket holster, so I don't have to use a shoulder holster.
I've used crossbreed inside the waist band holsters or ones similar made by custom makers and they are okay. My problem is that I don't have much of a butt and not much waist either. The crossbreed type holster is reasonably comfortable but doesn't work well with my body type, it seems that my pants always want to head south. With that I ll call it a day.