Just remember that when you wear that fanny pack...EVERYONE knows you have a gun, so there is NO element of surprise....
I personnally prefer the IWB holster....
Trust me, he's right. You'd be surprised at the people that will know or suspect you're of carrying in a fanny pack. It's concealed, and suspicion isn't being made and suspecting someone is carrying means nothing. You have no obligation to acknowledge and they have no right to search.