Only problem with pocket carry without a holster is that eventually the barrel will wear a hole in the pocket.
For real.
I have a very thin, light OWB holster that allows a Polo-type shirttail to conceal the piece very well. I often use the same holster as a pocket holster.
The holster I am referring to is the top right one in this picture with the Model 60. It has a rawhide retention loop. Those are all j-frames.