Ken,
The key to the lanyard style trigger guard carry are three fold. 1st is the need for more frequent cleaning and care (twice a week) for semi-autos. Most people don't do that, but if you do good. carry inside the waistband that does not protect the length of the gun from both body and clothing increases the risk of the slide failing to cycle, both through being dry, (the body does an amazing job of pulling oil from the gun), and the incursion of lint into the slide. 3rd and last. Lastly having the gun directly in contact with clothing increases wear or the risk of oil and gun powered residue soiling the clothing, and causing skin rash.
Well there are a number of different very comfortable appendix carry holsters, I would list in reverse order the cover6gear, N82 Tactical Pro, The Sticky Holster.
Like so many things carry is a very personal choice, but care needs to be addressed to what impact the comfort aspect will have on performance of both the user and the weapon.
If you were suddenly thrown on your back, the appendix position is the easiest and strongest to draw from well grappling. Three O'clock work, and fits larger guns, but is less effective than appendix. Four O'clock through Six O'clock are still better for non LEO than ankle or deep concealment T-shirt.