There are many considerations, one being your agency's policy in regard to carrying off duty. Most agencies require officers to qualify with their off-duty weapon as well as their duty weapon, and I'm OK with that. However, it is difficult to qualify with smaller-frame weapons because of distances required in qualifications.
I have talked to other female officers, looked through catalogs, gone hands-on at the store shelves, watched videos, and visited numerous Websites to find what's new out there and who recommends what. I did not find a simple answer.
Most holsters have similar drawbacks for women. The problem is our clothing choices do not always make carrying off duty easy. Sure, blue jeans and a T-shirt are easy, but what about a dress, summer shorts, or tank tops? Our clothing is close-fitting, which makes it difficult and occasionally impractical to conceal a handgun underneath it. The bulge makes it much too obvious.
Here's my take on the options we female officers have available to us for concealed carry:
Concealed-carry pants, shirts, and jackets are available, although mostly for men. The women's counterparts are the same cut, style, and colors as the men's, which can hardly be called women's fashion.
A concealment purse is often the most convenient way, but far from ideal. Purses are thrown around, left unattended, prime targets of thieves, and ransacked by kids. Purses also require a two-handed draw—one to hold the purse steady and the other to retrieve and fire the gun.
Shoulder holsters are good for winter or cooler climates when jackets or coats are worn. However, they offer poor muzzle position.
Pocket holsters usually do not fit into a female's pocket, due to most front pockets being cut short.
Thigh holsters slip and are bulky on the inner thigh.
Ankle holsters are harder to access and when sitting down the pant leg tends to rise, exposing the weapon.
Bra holsters are usually for a smaller frame gun and can be difficult to access.