I always appendix carry. I sometimes appendix AND 4 o'clock. There are some here who can testify that I will appendix, 4 o'clock AND cross draw... plus mags.
when I was fatter, carrying a hammer fired pistol was rough on the belly. My PPK/s would get adjusted several times in a car ride.
Im MUCH smaller now, sz44 down to sz32, and swapped for a striker fired XDs 9mm.
If you appendix carry, choose your holster wisely. Most of mine are leather or nylon, open top. No room in these wranglers for a kydex rig.