I've always felt comfortable with a crossdraw, just feels natural to me. So I carry my PF-9 in a molded leather belt holster, left side slightly to the front. When sitting, as in a car or anywhere, I can simply reach across and have easy accsess to it. The Seatbelt rides below it so it's no problem. When in the car I leave my coat open, or if wearing a shirt over it, I simply lift the shirt up so it's exposed. Being on my left side, close to the door, it can't be seen by anyone looking in and is easy to cover with my hand or left arm if I do feel the need to hide it. Then when I exit the car it's easy to cover with my shirt or coat before getting out. Here it's legal to carry into a bank unless posted. As to places posted, whether I do or don't, depends on the place and situation. Government buildings I usualy lock my pistols in the car. Then I simply look around to be assured I'm unobserved.
I also wear a Walls jacket that has an inside breast pocket on the left side. In cold weather I carry my P-32 in it in a pocket holster. ( Backup to my PF-9) Sitting in the car with my coat slightly unzipped it's very easy to reach inside and draw it. My PF-9 fits in there too.