Gun Nut,
I am in the exact same circumstance as you; often, I ABSOLUTELY cannot be known to be carrying, and my mode of dress does not allow for cover garments (many of which are completely out-of-character in any circumstance in my line of work). As I have said in previous posts, even the most stealthy IWB holster with the most concealable belt clips (Comp-Tac's V-Clips come to mind) would be a dead-giveaway if even a glimpse were afforded others, so I have not been able to exercise these options. As close as I've gotten to concealing my snub in circumstances such as yours has been a DeSantis belly band, although even this can hang the gun's grip up a little strangely, especially if you are reaching overhead or are in close contact with clients/subjects/offenders/etc.
While I am a big revolver fan and always try to carry my snub with me, sometimes it's impossible. For these times, the Seecamp has been invaluable. Carried in the back pocket it looks no different than a wallet when in some of the anti-print panel holsters, and even in the front pocket, the right holster can make the gun disappear. As far as caliber selection, I have both the .32 and .380 (as well as a .45ACP 1911 Seecamp conversion, but that's another thread
), but prefer the .32. I am more than proficient keeping shots COM with the .32, which isn't necessarily the case with the .380 (in my experience, YMMV), and am a big "software not hardware" adherent. This said, I'm comfortable with the .32.
The nicest thing about the Seecamp, in whichever caliber, is that no matter how many times you handle one, it isn't until you own one and carry it everyday that you realize how easy it is to incorporate everywhere you go.
In your circumstance, I might try a $30 DeSantis belly band experiment first, and see if it meets your comfort/concealability options. If it doesn't, the Seecamp would be an excellent option. Ideally, you'll have an opportunity to try the .32 versus the .380 before you buy (you'd be welcome to try mine if you live in New England), but the .32 would probably be a fine gun.
In any case, don't pay more than MSRP for either gun, unless you need one TODAY and can't wait. You can even order from the factory for MSRP pricing if you can afford to wait.