For OWB I have a Galco Fletch that I removed the retention strap from, I carry that at 9 o clock. I also have a Milt Sparks VMII for IWB that usually ends up at 8:30. I have carried my wallet in my left front pocket for years and am having a hard time getting it to stay in my right front. It seems I am a creature of habit.

Can you elaborate on the concealability of the carryloks? I've read that since the locking mechanism is pretty stiff, they don't break in around the hip at 3 o'clock all that well and are better off for 4 o'clock carry...at least if your looking to minimize printing. True or not?

So I won't be accused of too much drift: as many others have done I switched my wallet location from right rear to front left, for both ease of access and maximizing distance between gun and wallet in case of LEO encounter. Took all of a day to get use to it. If I'm wearing cargo pants/shorts the wallet goes down low if will securely stay there. For jeans, it gets crammed in with other stuff in the regular front-left pocket.

At first I wanted to carry around 4-4:30, but I've gotten use to it at 3, probably because I spend too much time sitting and bending. Maybe you'll find that 3 works out okay in the end. FWIW, I agree with others that the SERPA is really only good as an OC rig (IMO); man does it stick out pretty far.

I did pick up a Carrylock in April for my XD-45c 4". It's far from broken-in for catch-22 reasons. It prints some at the back of the slide (the blocky XD's fault probably)....so I don't carry it enough to break it in (I've only ever CC'ed). I've got it stretched enough to draw smoothly. It seems to be a winner though for thin guns or thicker guns that can print a little or for OC'ing/range work/duty use.