Summer? Are you wearing shorts? 
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I think it is obvious how you carry is found by trial & error with practice. Two words I believe in are Daily & Safely.
BTW my medical insurance deductible makes picking up a penny potentially not cost effective, even if it is a lucky one!
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Right? Every time I drop something I ask myself if what I dropped is worth the effort/ risk of picking it up.
Few years ago I was taking Kav Maga. I finally told the instructor I had to quit the class because I only had a finite number of “get up off the grounds” left in me and didn’t want to use them up in class.
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New to Carry: OWB new holster… IWB new holster & new pants. 
New to carry starting in winter months I started with OWB to get comfortable carrying without to much worrying about printing. Practicing on how each movement form sitting, standing, removing garment or putting garment back on in public has been main focus. Spring will bring new challenges (new pants).
How Should You Carry will become natural with time and practice.
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I think it is totally wrong to carry behind the back. If weapon gets exposed a bystander has more control of your weapon than you do. Agree with the 330 position.
You remind me that m first instructor would have it no other way! OWB at 3 or 9 creates far less chance of a poorly controlled muzzle.
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