My primary is a 1911 frame .45. I carry this weapon all year. I carry in my lunch box, in my back pack, ITWB, OSTWB. I can conceal this weapon in the summer, wearing only shorts and a t-shirt comfortably. A tactical belt and ITWB holster, and it disappears.
I will walk for hours with my dogs, around many people. Even the ones who want to stop and talk. Has worked great for me. Being 5'7" & a solid, stocky 204lbs, That's no easy task for a large framed weapon. Experienced advice, trial & error, finding my position and style of carry.
If a fanny pack works for you, that's all that matters. There are many variables to concealed carry though, so you will probably need to periodically try new ways of carrying. You have to remember, those old ways of carrying, are old for a reason. They are tried and proven ways to successfully carry concealed.
I am Young, and have been carrying concealed for a couple years now. I have been around guns my whole life, and have grown up with a large Military Family. When I am offered advice I listen, and I will try it. This is how you will come to find what will work for you.
I have my ways, because of listening to the experieced, and choosing what works for me. Just keep an open mind to experienced carriers, and you will find what ways work best for you. Good luck, and Stay Safe.
Respect your efforts, respect yourself. Self-respect leads to self-discipline. When you have both firmly under your belt, that's real power.