Hi Jerry,
I rode years ago but I got scared and quit. I also live in NJ and can't carry, but I'm just thinking out loud here. You say the Millennium feels good and that's not the skinniest of guns, so probably you don't have to worry about "narrow".
Most riding clothes are pretty tight-fitting, so probably belt or IWB is out. Maybe the small of your back. If you're not totally zipped up maybe shoulder carry, but again, as tight as the clothes are, that might be a problem.
The only other thing I can think of is ankle carry. Positioned on the bike it's easily accessible, but not so much once your off the bike.
I can't imagine there aren't a lot of carryin' bikers out there, and I'm sure you will get some good advice. You might try re-titling your post to include biker carry or something- might get more responses.