The Smart Carry can be quite a versatile choice ... including "New York Reload"
I try to always be in condition yellow while I'm out ...
Since I usually frequent low threat locations though, I'm normally 24/7 with only either a P-3AT or P-32 pocket carry.
But if I believe a serious SD caliber is needed I carry the SP-101 .357 as primary ...
And on those occasions the Smart Carry Large works well for me.
Comfort is no problem ... however a quick draw it is not ...
I have sometimes carried a BUG there too (New York reload)...
I've also carried the little KT's there in an Uncle Mike's #3 ... when my pockets are too tight for comfortable pc.
#3 fits snug & nice into the pouch & holds the Armalaser well.
BTW with the large I could carry my CZ-75 ... that's what I originally bought it for.
But I've found I prefer the ease of CCW carry with the KT's just can't be beat.
I have the SC with the extra pouch in the back ... for my ID/DL/credit cards ... throw down wallet in my pocket.