I've been quickly gaining weight over the past six months -- haven't worked out since the summer. Rgh.
Anyway, I'm quite an advocate of the Belly Band holster. Super comfortable, works in numerous different configurations, cheap, and functional. Can't beat 'em. Some carry extra mags, too.
Same here. Wife's broken leg has grounded me from the gym the past 3 months.
I use a belly-band once in a while and it's definitely comfortable, especially under a sweater. But it's certainly not a quick draw rig.