I haven't been able to wear a belt for several years due to health problems.
Pocket carry is fine, if you use the correct pocket, holster, and handgun.
It's convenient for me to wear overalls right now. The bib pocket is excellent for carry with the right size of holster and revolver (a Charter Arms, in this case) . I can draw quickly and easily with no fumbling. I can reach it easily standing, walking, driving, or sitting down.
When I wear cargo pants (can't really wear shorts right now),
my LCR in its holster fits the cargo pocket perfectly. A perfect fit means the holster takes up the whole pocket and doesn't wiggle around. Otherwise the handgun can get turned around in your pocket, or be wiggly when you're trying to draw it. Again, I can reach it standing or sitting. In fact, my fingers touch the gun butt if I let my arms dangle.
Back pocket is fine for walking the dog. Again, you need a tight fit for the holster. My S&W 642 fits perfectly in there. I use back pocket carry only for walking.
The summers are very hot where I live, but the winters can be cold. Winter creates a new problems, with coats getting in the way and so forth. My preference for winter is an LCP in the breast pocket of a coat or padded flannel. I don't want to have to dig under my coat to draw something. Again, it is easily reached when sitting or standing.
I don't carry in the front pockets of my pants. It's slow enough to draw if you're standing. If you're sitting, it's WAY too slow (or impossible) to draw.
I was never in the military and I was never a LEO, so I don't have hundreds (or thousands) of hours of experience carrying a full-sized pistol on a belt. If that's what a person has trained with for years, it seems sensible to carry that way. Personally, when I practice that way I occasionally have problems with the cover garment getting in the way, so it's not my favorite.
I'm fine with 5-7 shots of 38 special or 380. It seems like plenty for an attempted mugging or carjacking. I prefer the revolver by a large margin because I shoot them better and I'm more confident with them, but I will settle for an LCP if I can draw it faster and more easily due to the clothing I'm wearing.
Hint: If the holster is a loose fit, turn the pants or shorts inside out and sew an extra seam down the pocket to narrow it. It takes just a few minutes.