Carry with the belt clip is NOT meant to be owb. The clip goes on the outside of the gun, the side away from the body. As I use it for my P-32, the gun goes inside the waist band, with the clip over the pants and under the belt, so that only a small rear corner of the gun is visible. It looks like a folding knife clipped to the pants, not a gun. With a tucked shirt folded over it or worn with the shirt over the belt, it is invisible. And unlike a pocket holster, it is still accessible in the sitting position. It can comfortably be carried at the traditional 3 to 4 o'clock position or at a 1 to 2 o'clock position, appendix iwb, where it is actually more easily accessed and controlled.
If you do decide to carry in the pocket, I suggest you look at the hosters at grandfatheroak.com. He specalizes in holsters for Kel-Tecs. I have been very plaesed with his P-11 model.
Regards-conwic