I'd pocket carry. Choose pleated pants and it will be hidden and accessable. To me a shoulder holster underneath a button down shirt with a tie on has too long of a draw time, and if you have to draw, it is very obvious what you are doing (ripping shirt open, etc....). With pocket carry, depending on the situation, you can simply keep your hand in your pocket while you walk to store from car, etc... IMHO, there is simply no faster draw than this.