It really is a personal thing based on body type and manner of dress. For me I have found that carrying IWB at what I refer to as the 3:30 – 4:00 position works best for me.
A major source of objection to a free economy is precisely that it ... gives people what they want instead of what a particular group thinks they ought to want. Underlying most arguments against the free market is a lack of belief in freedom itself.
- Milton Friedman