I carry 95% of the time IWB.
If I'm going to be doing a lot of physical activities like at work or something around the house, etc. I carry IWB at 1:00 appendix style.
If I'm going out at night or somewhere to eat, nice and calm. I carry IWB at 4:00 strong side. Either with or without a tac-light. I'll usually be wearing a button down, but even if I'm not. That's how it goes.
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