The only way I have found to be be anywhere near comfortable is Small of back carry. I hate doing this, but IMO its the only way to keep one on my person while on a bike.
Wish they had a larger list of pistols for the chest holsters. I do like the system for carry.As I have posted before check out Survival Sheath Systems' chest holster. I do not make any attempt to conceal. I ride between 5-10k per year and this is the best set up I have found because it keeps my pistol up out of the way of my legs, even in the drops on my road bike, I get zero sweat on the pistol because it gets plenty of airflow being in front of me and it is much more stable than a belly band or jersey pocket. I am currently in the process of having a similar set up built by Knapp Custom Holsters for my Kahr CW45 that also stacks a double mag holster on the front of the pistol holster.
SURVIVAL SHEATH SYSTEMS : Kydex Shoulder and Chest Holsters
I have a J-frame and will go with this holster first and one of the NWI INGO members on the other side of town makes holsters. Thanks for a suggestion update. Rep is on the way for you.I bought one for my J-Frame that I no longer have and as stated the selection is limited to the more popular models, so I am using the harness and having Knapp Custom Holsters build a replacement for my CW45.