I pocket carry a Heavy S&W 640 (in 357 magnum). I have never had an issue with it. I mostly wear slacks at work and loose fitting blue jeans when at home.
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 26 of my guns are 45/70 govt, 357 mag, 22 or 12 ga... I believe in keeping it simple. Wish my wife did as well...