There are times with shoulder holsters beat anything out there. They can be quite comfortable when you're into phyical activities.
Get one and make sure it fits, make sure its adjusted right, and you'll never know its there, even carrying a heavy revolver such as my Model 28 in the bottom picture.
I carried the same set up with my Model 29 when fishing in bear country. Easy to get to, and out of the elements.
A belt holster is hard on the hips when traveling on skis or snowshoes carrying a pack.
If you're playing army (as in the National Guard) and have to carry a weapon this shoulder holster is hard to beat. Again you never know its there.