For me, it depends on the time of year. If it's long pants and jacket weather, I carry my Bodyguard .38spl in a DeSantis belt holster. Shorts & t-shirt, a Tuff Products pocket holster. I've got a Galco IWB, but don't wear it much. Not crazy about IWB.
Never argue with an idiot in public. People passing by won't know which one of you is the idiot.