One in the pipe, every time.
Some people have been very over conditioned to never "flag" another person with the muzzle of their weapon. This is understandable in a combat zone situation, or in an entry team. But when carrying concealed, it's nearly unworkable for me.
Can't carry strong side full holster due to clothing needs in my profession. Eliminates shoulder holster too. I'm a little too slow for ankle carry, and the thought of the 'wear the gun in a pouch under your clothes and between the legs' type of holster makes me cringe!
So I'm left w/ pocket carry, even though I "flag" people I'm sitting accross from (sometimes my own kid or wife). But the gun won't go off on it's own. I feel totally safe.