Then: .45 Shield in a belly band, worn where it should be worn, essentially where an IWB holster worn at 4:00 would put the gun. Just inside my waistband, but tuckable without belt clips showing. This was not my first gun I ever carried, but the first one I wore regularly. I think I bought it in... 2015?
Now: .45 Shield in a Crossbreed belly band with a velcro-backed kydex holster worn in the same place. On casual days, I wear the same gun in a cheap kydex IWB holster, untucked. On really casual days (like when I don't care if someone notices) I wear a CZ-75 compact, cocked and locked in an OWB holster with the thumb-break between the hammer and firing pin.
In the future, I hope to get a Shield plus with night sights and wear it in the same belly band with a new kydex shell.