Right front pocket carry, S&W 642. Bianchi Speed Strip in the offside pocket, along with a Benchmade AFCK. If you wear cargo shorts like I do (LL Bean makes good ones), Fox Labs OC spray in outside left hand cargo pocket (velco flap -- no buttons!)
Worried about a fast reload? Carry two 642s, one in each pocket.
In the hottest weather, when I wear "gym shorts" (no belt or pockets) and an untucked t-shirt, I carry the 642 in an Uncle Mike's clip-on IWB located over my right kidney. The Benchmade rides just forward of the left hip.
In a word -- no matter how hot it is, unless I am in a pool, I am armed with at least a .38-caliber handgun.