I agree that the most concealable carry location is with an inside-the-waistband holster. Get one with a reinforced opening (as opposed to the cheap soft ones that collapse after the draw), so you can reholster one-handed without looking. NEVER take your eye off of the threat. If you are just carrying for personal protection, you probably don't need a holster with a thumb-break, but it should fit snugly. Remember to put your hand on the grip whenever doing anything that may cause the gun to fall out.
A smooth draw is a function of practice, practice and more practice (with an unloaded gun, obviously). Ask around about holsters, because some are better than others. I have a whole box of holsters to testify to this. Make sure that whatever holster you select, it does not pull off your belt when you draw the gun. No point in looking like an idiot as you are getting shot/stabbed/beaten.
FBI agents usually carry strong-side (dominant hand), with a holster affixed to the belt (on the outside). This allows a smooth draw without worrying about the gun hanging up on their shirt (a risk with an inside the waistband holster). They are taught to sweep their jacket open, unsnap the thumb break, draw and shoot. By the way, since most Special Agents are lawyers and accountants by training, they don't shoot like the folks in The X-Files and movies.
Years ago, some LEOs used to carry cross-draw (butt facing forward, drawing across your body). This is now disfavored, since it allows the bad guy / gal easy access to your sidearm from in front, and since many police officers are shot with their own guns, this obviously creates an unnecessary danger to the officer.
If you buy suits or sport coats in an area where there are a fair number of law enforcement types who wears plain clothes, then you will find that the local men's clothing store or tailor has learned to cut the jackets fuller on the gun-carrying side. I live in Southern California, and the local Nordstrom tailor never batted an eyelash at my SIG P220 in a Safariland paddle holster and Smith J-frame in an ankle holster. He just tailored my suits (Hickey-Freemans or Hart Shaffners) to keep a clean line that concealed the extra bulk, and even sewed a reinforcement patch on the inside of the pant leg to reduce wear from the revolver in the ankle holster. The tailor was also quite accommodating about sewing in extra pockets for speed loaders, etc.
Many years ago, I had a Chesterfied coat custom made in Boston. The fitter was unfazed by my request that the coat be fitted with slots in the inside of the pockets to accommodate the draw of a small revolver from inside my suit jacket pocket. Heck, and I wasn't even living in the North End (Mob country).