Thought I'd chime in with my 2 cents.
Depending on the day and how I'm dressed, I have a few different guns that I might carry. These are my 3 carry guns:
1: Glock 31 (full sized), carried just behind my right hip (3:30) in a $30 leather IWB holster I picked up at a gunshop, possibly made by Gould & Goodrich, but I'd have to check. It's leather with a belt clip, and it's molded so I can draw and re-holster with one hand. I carry a spare mag at 9:00 in a Don Hume leather open toped mag pouch. It's comfortable and doesn't slide all over when I move, and I regularly carry in it for 8 hours a day or more.
2: Smith & Wesson 6900 series 9mm. I currently only have a pancake holster for it, so unless it's under a baggy sweatshirt in winter or a heavy coat, for the most part it doesn't leave the house. I carry it with 12 rounds in the gun (not +1, but one chambered) and a 14 round 5900 series spare or a 20 round 5900 series spare, depending on the day and my mood. I'm going to buy an IWB for it when I remember to.
3: Smith & Wesson 642 Airweight .38 special. It's a 5 shot snub, and it's not a ton of gun, but it fulfills rule #1 of gunfighting (bring a gun), and I'm nasty with it out to 30 feet. It has a clipdraw mounted on it, so I can just slip it in the waistband and carry it, no holster, no fuss. It's very light, easy to carry all day, and it's peace of mind, if nothing else. I carry a speedloader or speedstrip in my left front pocket when I carry this particular gun.
The Glock is carried almost all the time, but this summer the 642 has seen a lot more carry time simply because it's light and tiny and hides under next to nothing. Carrying the Glock requires a bit more attention to how I'm dressing, but it becomes second nature. A button down shirt untucked, or a button down shirt unbuttoned with another shirt on underneath, and it hides away very well.
I always carry spare ammo, since no one has yet been able to give me a good reason why not to, but not because I think I'm Rambo. Clearing a mag failure is one good reason, and some coked up freak is another. I carry on a loaded chamber, safety off, all mags one less than full capacity every time.
Different methods and guns work better for different people, but if you can find a retailer with an excellant holster return policy.