A FlipBelt over my gym shorts, snub holstered in a Galco Stow-n-Go with moleskin on the body side, clipped over both belt and waistband. When I wore chef pants I'd keep the snub holstered in Vale Tudo shorts.
edit - if I was carrying a pistol I used a DSG holster. I never felt like I needed a substantial holster with a snub.