I am a social worker and I have to dress up and down depending on the situation. When I am at the Office I have to wear shirt/slacks and tie. When I am in the field I don't want to ruin my nice clothing so I wear Blue Jeans (or shorts in the summer) and a t-shirt and a loose unbuttoned shirt over that.
My primary CC weapon (S&W 640 in 357 magnum) is always carried the very same way. In the front right pocket. The only time I don't have this gun is when I am at the gym, it is too big and heavy for work out clothing. My back up is a 22short NAA mini that I wear on a neclase around my neck (It hides very well like that). I don't know how useful it would be but It is better than nothing I guess.
If I am going to a bad area (frequent) I put on a shoulder holster with my Coonan Classic, in addition to my J-frame.
Unless I am at the gym the J-frame is all ways carried the same (in the pocket)
Shot placement is everything! I would rather take a round of 50BMG to the foot than a 22short to the base of the skull.
all 25 of my guns are 45/70 govt, 357 mag, 22 or 12 ga... I believe in keeping it simple