I carry a j-frame or a Sig229 there on occassion. I find it secure, discreet if sporting the untucked look, and ranging from reasonably fast with a one handed draw to fast using my support hand to clear the garment. Seated it offers great access.
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Meriam Webster's: Main Entry: ci·vil·ian Pronunciation: \sə-ˈvil-yən also -ˈvi-yən\, Function: noun, Date: 14th century, 1: a specialist in Roman or modern civil law, 2 a: one not on active duty in the armed services or not on a police or firefighting force b: outsider 1, — civilian adjective
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