Generally, the pocketed SP101 snubby rides in a Kramer pocket holster in one front pocket, while a sturdy folder rides in the opposite front pocket. I don't use a traditional wallet, my ultra-slim substutes for wallets ride un unconventional locations, and my back pockets are kept clear. I do have smaller options for smaller pockets: S&W J-snub, and Seecamp LWS-32.
Not all pants with cargo pockets look like BDU pants; some look much nicer, with subtle cargo pockets.
I just switched mobile phones, and have not yet settled upon a consistent carry method for my rather bulky Casio Brigade.
FWIW, my pocketed snubby is one of two handguns. My daily "primary" carry location is on the belt. I wear my duty pistol at 0300, and try to be consistent with that carry position when off the clock.