Summer carry outdoors Taurus 845. Small of the back holster or just in a regular belt holster. Depending on what I am doing. 1911 small of the back holster. two extra mags. Winter carry EAA Witness 10mm under shoulder. Glock in .40S&W under shoulder or small of the back. How I see it .45 summer, large slower bullet vs t-shirts don't have to worry about no penetrating. Winter, heavy jackets. higher speed smaller round. Make sure it goes through those jackets. Always carry my trusty .38 snubby on my ankle. That is my "I have barricaded myself in the bathroom or closet, ran out of ammo for primary, I am now waiting for Law enforcement to clear the building so I can leave gun."