I carry a S&W M37 snub most of the time. i carry it in a Bianchi Chief and it is very easy to draw from. I don't take it off of my belt though without thumbing the snap loose because it makes it easier to remove. Sometimes I will practice my draw a few times before I take it off for the day. I use HKS speed loaders and really need to practice my reloading more than I do, but I still ain't too bad.
Clothing usually is not a problem as I usually only wear pull overs or Hawaiian style shirts.