LOL, I own almost everything mentioned in this thread, including the BG38 which I am "pocket carrying" in my pajama pants right now. +1 for Smartcarry. Yeah, takes some getting used to for obvious reasons but it's a great option. The only situation I've discovered so far that it doesn't work well for is bike riding, again for obvious reasons. That said, the Smartcarry holds my G26 and a spare mag just as easily, so I don't use it much for the BG38.
I got a 5.11 holster shirt for Christmas and have worn it once, with the G26 and a spare mag on the other side, while driving go-karts. It's good quality, was comfortable wearing it and provides another good option when quicker-access things won't work. Tip for the OP: the holster shirt needs to be really snug in order to hold the gun well. Putting it on over a T-shirt wouldn't work very well. The T-shirt would roll up underneath it and be intolerable.
I got my wife one of those Flashbang holsters for Christmas. I figured she would think of it as a gimmick and toss it in a drawer, but she's actually interested in trying it. The jury is out.
And I have seriously looked at the kangaroo carrier a couple of time. Doesn't look like very good quality, but then again I've never handled one. I have other options that will fit the same bill, a couple of them mentioned above.
