Kinda long - but you asked...
I carry a Kel-Tec P-3AT with ArmaLaser and two spare mags. loaded with a mix of expanding and non-expanding ammo carried in a SmartCarry holster 24/7. I am 6'-0", 235 lbs.
I don’t even think about it most of the time. It’s no more strange or uncomfortable than the change in my pocket.
I got this combination for a few reasons. Two of the main ones are;
First, I wanted something I could carry comfortably and completely concealed 24/7.
Second, my wife is uncomfortable around guns and I didn’t want her uncomfortable around me. Even she hasn’t “made me” yet and I have been carrying this way since January 2006.
Update - In November of 2007 my wife asked me where I was keeping the gun (just in case she needed it). I said, “As long you’re with me and I’m not using it, you can have it anytime, as soon as you go to the range with me and show me you can shoot and handle it safely”! - this hasn’t happened yet. Then I told her and showed her where I’d been carrying it for over a year and a half. I was concerned, wondering what her reaction would be. She was surprised, but made no negative comments. She asked if I carried it when visiting friends, shopping, etc. I told her I ALWAYS carry it where it is legal. She hasn’t questioned me about it since.
The SmartCarry size I have is the “XSL” security model as shown in the large photo on this web page:
http://www.smartcarry.com/lasers.htm
If I ever reorder I will get the “XSL” standard holster with the smaller pocket on the left as shown in the photo above the one that shows my holster.
Even though I think one spare mag is enough, I carry two spare mags because there is plenty of room for them in the holster I have with the larger spare pocket. I find that this holster is a bit too wide so I tuck the extra holster material under the mags when I’m wearing it (which is 24/7/365). This makes it just the right size.
I wear the holster low, with the strap around my upper hips, just below the waist, and the pockets centered between my thighs.
If you want to wear skin-tight jeans the SmartCarry is not for you. I wear loose Docker type pants, with a loose waist and suspenders with untucked shirts. This allows a reasonably fast three-step draw (more on this later). Because I buy pants with a waist one size larger than I would for belt use, the crotch is also a bit roomier which eliminates the problem some folks have with the SmartCarry riding up and pushing into the abdomen when sitting due to the tighter crotch. The larger waist and extra room in the crotch also allows for faster, smoother draw.
There is no problem sitting with crossed legs.
As to the draw…
Lift the hem of the shirt high up on your chest with your strong hand. As the shirt moves up suck in your gut and hook your waistband with your weak hand thumb and pull the waistband forward leaving plenty of room to reach in and draw with your strong hand. This takes some practice, but it’s faster than it sounds. I can consistently draw and have my first round on target in 1.5 seconds or less. You can even do it easily sitting down, not as fast, but you’d be surprised. It even works in a car with the seat belt on as long as your untucked shirt is over and not under the seat belt. In the car you draw exactly the same way, the only difference is that the seat belt moves forward a bit with your waistband. If you prefer a tucked shirt, just skip the "lift up the shirt" step.
How it looks untucked and "tucked":