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If I'm riding and not planning on stopping, a shoulder rig is easy.
If I'm planning stops (lunch, errands, etc) I have a simple straight drop AIWB holster that I can comfortably use while riding.

I try not to carry in my tank bag ever.
But.... I've done it occasionally.
My tank bag has straps I can attach and carry it like an ugly awkward ladies purse.

Shoulder rig works really well too... Works well even under a mesh jacket.
Unless you're one of those folks that doesn't wear gear..