Unless you want to wear an old west holster one is forced to choose among a couple options in how your belt loops line up with the holster. So if you want to be behind the first belt loop but in front of the next one you are going to end up with an “appendix” carry. Your next option is straddle belt loop #2. That puts you at “side carry”, your next option is further back, “4 o’clock” or whatever. I prefer the last one but when seated in a vehicle your weapon is not accessible.
The 4 ‘O’Clock position seems the most sensible for me, when I finally get to that point.