This not a simple question with an easy answer, many good points of view, especially, how do you dress, everyday, that is going to be major factor, as to how you carry and what you carry comfortably, within reason. Also, what do you do, all day, are you suit and tie, industrial, where you have to bend and carry things for folks, I am in a position where, I meet and greet, and sometimes crawl under cars in the parking lot to have a quick look at a problem, IWB does not work for that, a belly band would, and I have used one in the past, TIP, put the belly band around your chest, with the pistol accessible through your shirt sleeve. My choice is a pocket holster with a J frame 9mm and 2 reloads in my left pocket, now only 50' from me is my tool box, which has a Kahr K40 and 4 magazines and an SKS with folding stock and 50 rounds, then another 30' is my truck with my Glock 21 and 3 13 rd mags. My layered defense.
A teacher of mine does a drill, simple but puts things in perspective, the drill, is draw and fire all the ammo you have in your pistol for as long as you can, long after 1911's have gone quiet, the Glocks, Sigs, CZ's, M&P's are still shooting, his point, you get to fight longer, now he is from a military background, but does have a point.