I carry appendix, but I modified my clip, by cutting off the little nub that makes it easy to slip onto your belt. It's a pain to put it on, but that nub kept catching on my T-shirt, and ripping holes in them. Once, it bent the clip up and out. That was unacceptable. Haven't had an issue since I ground off the nub
I too carry at 4, clipped to clothing under the belt.. you can adjust camber and friction of belt will hold it there... have my p32 ALL THE TIME no trigger gaurd and chambered.. no way you're gonna pull the trigger unintentionally... love the clip !!!! only way to go, no weight, no added bulk..