My experience carrying concealed; take into account I am 6'2" and most of my height is from my trunk and not legs.
I have learned that comfort is everything when carrying concealed. I have carried something like 17 handguns in a concealed fashion, from full frame 1911's to the NAA .22 LR. My comfort level was dictated by different scenerios, e.g: as an off-duty LEO, my 1911 / High Power / 686 were usually in some type of pancake holster covered by an open shirt, vest or jacket, printing or becoming exposed was of no concern, my comfort level was different then as well as my need for a powerful weapon as I was expected to always be ready to intervene even when "off-duty."
My model 60 was tiny in an era when there was no mini-guns, but it was too heavy for comfortable all-day pocket carry.
The Glocks are great and tough but they all need to be on the waist or shoulder. Yes I know some people stick stuff on their ankles but I can't, not even a NAA.
Today I am John Q Citizen, I look for no trouble and expect none. It took me 10 years to realize that the odds that I will get into a prolonged gun battle such as the L.A Bank Heist is almost none existant. What I do think is feasable is a home invasion but that's not the issue here, for at home, I first reach for my Mossberg loaded with slugs and buckshot.
Today, for me comfort means ease, I like my life to be easy, not to have to work at the simple stuff like worrying all the time, "Am I printing?" Or "Am I exposed?" I don't like stuff on my waist anymore, not even my cell phone, and as stated before, nothing on my ankle, so for me it's pocket carry, and pocket carry means something that won't make me fidget, or look like I'm constantly rearanging my "packet". So now I do what many others have discovered long ago, I do the 642 for comfort. It is light, it carry's enough authoratative rounds to convince a would-be / wanna-be to find another victim, it doesn't print and I can forget it's there until I need it. I prefer .357, but the price was too high and the difference in ballistics for a .38+p from a 2" to a .357 from a 2" wasn't worth the cost.
For me it's comfort, comfort to know I can get the job done reliably (S&W / Ruger) and do it comfortably.