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OP, I do both.
I also tend to take a risk assessment. When it is higher risk, such as the parking lots, etc, I carry on my body. About the only place I purse carry is when I'm inside the mall and intending to try on a lot of clothing. I keep it in a compartment of a backpack purse, which lets me try on clothes without it falling off my body in the dressing room, and I can keep the purse on the hook out of reach of my toddler.
(And I do not put it in the purse until I'm in a mall dressing room or restroom. I transfer it back to the hip before going to parking lot again.)
Hope this may help.