How do you carry your weapon ?

I usually put it in the passenger seat and put a cloth over it to cover it when I drive , In my house its on the side table next to bed and when I go out I use a holster and cover it with a shirt . But I have seen some people put a pistol directly in their pants or behind their pants and I always wonder what if the gun falls in the pants or just goes off , or if they need it and they are sitting they wouldn't be able to grab it from their *** .And besides anyone can walk behind you and pull your gun out before you have a chance to react . Your thoughts ?