All of the above, depending upon the guns involved and the situation.
As mentioned, some revolvers are cut for moon clips. This should be added as an option.
I will use speed strips when concealment is very important. They give me a slow full reload or a fast partial reload. Speed loaders and moon clips are bulky and print in the pocket. I jam a rag in the pocket to break up the outline. I do prefer to carry them on the belt for consistency in presentation.
However, I will carry two revolvers if I carry only revolvers. A J-Frame is the secondary gun. It's so light it's almost free. I did vote for "NY Reload" since it is the fastest method.