Hey JJR...Think you might be able to help out here. Sounds like someone with your same attributes.....
I have a backpack with a back compartment that is accessible from either side that carries my .38, and also a not so easy access fanny pack that carries my .380.
I do prefer just to wear a holster when I'm driving, too much of a hassle to reach for a purse should something come up.
Go to "www.dillionprecision.com" for some nice accessories.