Just received a Ruger LCP for our anniversary to cover the 20% of the time my M&P compact is still too big. Often when I am more dressed up my clothes do not have a belt or pockets. I do wear pants and a jacket. I do not want to carry in a purse. Is it dumb to carry as an IWB , how does everyone feel about ankle holsters? Hard to get to but still available. Any recs on holsters and carry methods. Thanks