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OWB for me is much more comfortable, but as you mentioned, it can be harder to conceal. I probably carry OWB about 75% of the time. It really depends on what I am wearing for the day. Galco makes some high ride OWB holsters which do a good job of pulling the gun close. I tend to like a paddle holster as it can be removed easily if the need arises, but in my experience they don't hug the body as closely as the normal belt loop holsters. I typically carry service size pistols, so IWB is more uncomfortable for me due to the size of my carry. For maximum concealment, it is hard to beat IWB though.