If you are fairly lean, a pancake may not be best. Matt del Fatti, on his site, advises that folks with a waist measurement of 32 inches or less are usually better served by a different design than the pancake, that has one tunnel loop, and one outboard loop. Pancakes, with two outboard loops, hurt me for years, and I generally settled upon what I use now, rigs with one tunnel loop and one outboard loop. I arrived at my conclusion long before I saw the del Fatti site, and do not actually own a del Fatti belt rig.
An exception to this is the Galco Concealable, which is a pancake, generically, but is sewn so as not to pinch thinner folks.
Most pancake rigs have a draw angle more suited to wearing behind the hip, though Simply Rugged has a third loop that offers a choice of draw angles. Depending upon hour build, and size of the holster, you may be able to wear your weapon at the appendix position, using the slot that the maker intends for the crossdraw position. I don't have a Simply Rugged rig, but will sometimes wear an SP101 at the appendix position, "Strong" side, outside the belt, with a
Kramer or Haugen crossdraw rig. This can be supremely comfortable, all day, though whether it is concealeable enough depends upon what I am wearing. In my normal clothing, it is not; I have to dress around a gun worn appendix outside the belt.