I always carry using a OWB leather open top holster at 4:00 on my hip, with a mag pouch at 9:00. The only exception to this is when I carry my S&W 642, which has been carried in different pockets depending on what I'm wearing at the time.
As for shoulder holsters, they do have their place in concealed carry, but not for me. I've tried a quality leather rig before and I find them hard to draw from, and I always had to wear a jacket that was partially zipped - something I don't favor even when it's gross out as Washington weather is known to be. I would favor one for carrying during long road trips or to slip on to investigate the bump in the night, but otherwise find them useless for daily concealed carry. To each their own.
If I can offer any advice I've learned over the years, it's this: Buy the best holster you can afford and use a belt designed for carrying a gun. This will help in support and comfort, and it will save you in the long run of buying and trying different things only to end up with 'the box of holsters' which sits in a closet collecting dust.