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I carry a backup on my ankle while on-duty all the time. Renegade holster is my current favorite (secure, yet the j-frame model allows the handgun to be drawn without unsnapping the elastic). Carried a Glock 27 and have now switched to a light-weight j-frame 38. If you wear the lower boots, the holster rests on the upper edge of the boot and you forget it's there.
I have easily qualified on our duty-gun course every year. With practice, you will be on target to out to 25 yards without a miss. (Our course starts at 15 yards and requires 100% hits to pass).
One thing though, practice getting to the weapon. Most folks have forgotten, or are too young to have seen, one simple method to draw: Let's say you have the handgun on your left ankle, grab your pants material with your left hand while stepping back and kneeling onto your right knee. Your pants will pull up and you will have easy access to the handgun.
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