First decide if you want a revolver, single action semi auto or double action semi.
Personally I think most folks are best served with a revolver, they are safe, very dependable and very simple to operate in a high stress situation. DA semis are next in ease of use, usually a little thinner then a revolver. As much as I like 1911's they need to be practiced with much more then the others just because you have the added step of disengaging the safety. Doesn't sound like a big deal until you are trying to do it with a gun pointed at you.
Yep. Lol
I have been through them all for carry (just about). I don't want to carry anything with a safety ever again unless it has a double action pull first option. I did a class where they introduce stress and the number of people not able to manipulate the safety was eye opening...and that was "simulated" stress (time, on lookers, and distractions). Fine motor skills go to shit quickly when it hits the fan.
I believe IWB is superior also for day to day carry. If you think just throwing a jacket over top is gonna work, it isn't. You have the jacket on and decide to go to eat...whatta you going to do? You could untuck your shirt and put it over top but who's to say it is going to be long enough? If it is that holster is going to start chaffing quickly...etc... So many other examples of where OWB is inconvienant that I rarely do it unless on errands or woods carry.
I have decided to pocket carry or IWB all the time or both. I wear a wife beater everyday. My IWB holster goes inbetween my pants and WB. This way I can pretty much wear any firearm I choose. Just a lot more convienant plus you can carry a larger assortment of firearms.
Ones I would recommend.
Single stack IWB - Kahr (P40 for me)
Pocket carry - Kahr (PM40 for me)
Double stack IWB - XD9 (good shooter, ergos, and capacity)
Double stack OWB - CZ 97 (only for errands/woods)
Revolver OWB - Ruger GP100 (woods)
Revolver pocket/IWB - Ruger LCR 357
I wear the Kahrs 90% of the time. I carry everyday, all day. I have a inexpensive but comfortable/reliable CC/IWB rig going up for sale soon if anyone is interested....PM me. It can be carried double action safety off or single action with safety select. Good trainer IMHO.