Thanks for the suggestions. I've got a Smart Carry, had it for years but it's tough to wear in the summer here.
Pocket carry in an open top pocket worries be as I'll be sitting down and worry about it coming out of the pocket. But I'm going to try it anyway, I've got a pocket holster for a P3AT that I used to have that should fit. Maybe I can rig a closure on the pocket.
Also looking at one of the "shoot thru" wallet holsters. I had thought they were illegal to have without a tax stamp for an AOW, but apparently if the slide is exposed it's legal.
The shoulder carry strap is interesting, I might have to look into it further. I wonder how well it conceals under a light polo shirt.
I don't know about a belly band, I'm 30lbs overweight and I think it wouldn't work for me until I lose more weight.