I place considerable emphasis on actual carry if licensed as compared to having it in the glovebox or at home. Whenever possible having your weapon handy and on your person is a much better way to security than having it proximate but not on your person. The barrier to this tends to be the unreasonable expectations that people have regarding what weapon to carry, with most making the mistake of getting something so large as to be almost impossible to conceal. The other end of the spectrum runs towards getting just one tiny little gun that might stop a mouse-maybe.
The great middle tends to be where experienced weapon carriers will find the best solution. Getting that experience tends to be expensive if not done right, with multiple purchases that do not work as intended, and much time lost in getting to something that will work.
The great middle here refers to mid size guns like glock 19, kahr k9 and smaller, kel tec pf9, colt commander and officer size guns, the smaller taurus autos, the smaller S&W MP autos, the smaller springfield armory XD autos. In revolvers any quality .38 or .357 with a 2 or 3 inch barrel fits the bill. The power floor in my mind starts at .380 for autos and .38 special for revolvers. More power is better if you can adequately shoot it and carry it. There are many good choices out there, but before you go and whip out the plastic answer the following question:
Are you willing to compromise on your wardrobe and lifestyle to carry your weapon?
If the answer is yes, then be prepared to spend some money on weapon and clothes. The advantage here will be that you can do better in power and quality than going the other route which I will cover shortly. Here you pick the weapon that works for you and then build everything else around it. Much easier for some people than others, this relies on the idea that “here is the gun that works for me, lets make my clothing and lifestyle work around it.” The self employed, the independent contractors, the person that has no active supervision over them or works out in the field fit in here. So do your typical supervisor or managers that have to wear formal business attire that is especially suited for cover garments like blazers or sport coats. Men have it much easier than women in this regard, but women can also make this work to their benefit if they fall in this category.
While it more difficult, women can find suitable guns and clothing that allow them to carry pretty much everywhere that is legal. A practical examination of men’s and women’s wardrobes will show that pocket carry is possible most of the time IF your wardrobe allows it. From here women have less choices, due in large part to the concealment requirement and the less than adequate choices in holsters and equipment. There are ways for a women to carry on her waist but even allowing for good choices in wardrobe, successfully making it work is another matter. The natural flair of women’s hips makes a holster designed for men a painful experience as the top portion of any weapon will dig into the ribs. The solution is to carry in a holster that rides higher and with more cant than a men’s holster would have. The number of companies that market such a holster is limited indeed. One such company is here.
Galco has many options for women and is one of the few major holster companies that caters to female CHL. The situation is changing but it will take more time and more women involvement to really bring more product to market.
Lets now examine the far more common situation.
You cannot compromise your wardrobe and lifestyle to accommodate carrying a weapon.
People that find themselves in this situation would be teachers, nurses, tradesmen, professionals of many different types, many private sector employees, many food service employees, etc. The job that demands a certain amount of conformity in apparel will be the job that makes carrying your weapon difficult. The job that bans the carrying of weapons also makes it more difficult but not impossible. Even then work arounds can be found that permit the discrete carry of decently useful handguns.
Out right bans on CHL while on employers property are permitted by law, however there has not been much case law regarding having the weapon stay behind in your vehicle. The decision is yours, but lets examine the practical way to get it done. I am not a fan of off body carry, but some of the best solutions to legal impediments revolve around off body carry. One of the best solutions seems to be from here. The wilderness is linked on the right side under “where to get gear”. Here is what their safepacker off body holster looks like:

Safepacker
If you follow the link you will see there are many different ways to use the safepacker, the big advantage for me is the fact that is designed from the ground up to carry a weapon. This is not some adaptation of a day planner, considerable thought has gone into the design. What is seen is not what is really there, here is a product that even if accidentally left visible on a vehicles seat would not draw attention. Yet you can easily carry it with you when stopping to run errands on the way home and nobody would be the wiser, the smaller models would not look out of place on your belt.
If not prohibited by employer, then carry is possible within the parameters set by the wardrobe. Here the best options will be to go small and discrete. Kel tec p3AT and Rugers new LCP are favored by folks that need to carry small yet potent handguns. Both offer .380 acp power in startlingly tiny guns that make carry easier even if constrained by your wardrobe. A gun like the Kel Tec or the Ruger paired with something more substantial in a Smartpacker would enable carry under most legal circumstances and nobody around you would the wiser.
Holsters have been covered here. I would only add that holster tech is constantly evolving, new stuff is always getting rolled out, should you need something different, it is likely to get introduced in the future. Keep informed and get active to protect your rights, see my “Gun Rights” links to see what you can do.