I am thinking about a chest bag. I don’t think putting your hand near your gun is a good idea if you encounter police. Perhaps if I put my ID in another pocket.
Check into Crossbreeds’ Belly Band modular system. I am very happy with mine.
I have used both a belly band and a fanny pack (designed for concealed carry) when biking. Pocket carry can also work as long as you have the right handgun, pocket and pocket holster.
Fanny pack. Or if I feel aggressive, I carry in my clinched jaws Arrrrg!