Ah, yes, Philly. Drove thru West Philly for years to get to/from work. Only had to draw once (crackhead needed discouraging from trying to get me out of my car at a stoplight)
A .38 snubby is a great pocket gun, but I would recommend a good inside-the-pants holster. A good holster from Galco or one of the other top makers is a needed investment no matter which type of gun. An inside-the-pants holster with an untucked polo-shirt over it makes the gun disappear, and is a hell of a lot faster draw than fishing in your pocket. Also, more than one guy has gotten into an "accident" from having an object in the pocket along with the gun, and the object coming into contact with the trigger. 'nuff said.
In winter, pocket carry in (otherwise empty) coat pocket is good. You can be walking along, and nobody thinks twice of a guy keeping his hands warm in his coat pocket. And the fastest draw is already having it in your hand
I have walked down many a block exactly that way.
Thanks for your kind advice.