semi for now
I always carry a full-size semi-auto IWB, with very few exceptions year-round. Depending on where I'm going and what I'm doing, if/when I can I'll prefer to also pocket-carry my little Beretta Tomcat .32acp as well. I've seen mixed reviews about this gun, I didn't go looking for it, it found me and the deal was too good to pass up. I guess I've been lucky because I have a great track record with this gun in regards to accuracy and reliability I am more than impressed. When carrying it as a backup to my primary carry, I usually prefer to have it in my Carhartt jacket-pocket. If I need to take the jacket off, I'll discretely (usually ahead of time) move it to my right-hand pants pocket. I carry it in a home-made pocket holster that has worked well for me. My parents are not gun people, not exactly anti, but they don't want to be around them. When I visit the folks, I'll either "smart-carry" the tomcat, or carry it in right-hand pants pocket, leaving my primary sidearm locked up in a safe in the trunk.
As I said the gun found me, I didn't go looking for it, and the deal was great, so it kind of decided for me. When I do have more money than I have now, I may rent and try out a few more up-to-date B.U.G. options, I am definitely interested in a S&W non-airweight J Frame, and am also definitely interested in a sub-compact 9mm.