I would encourage you to look at the second post in this thread, yes, it is mine too, but it comes from a firearms instructor with 30 years of law enforcement experience.
http://www.calccw.com/Forums/experie...s-retired.html
One reason other than "Screaming Gun" that a fanny pack may want to be discouraged for concealed carry.
The reason is in the "Lessons Learned" post.