Terry,
Take the 22, Tn doesn't have a caliber requirement. My wife used a friends Ruger. If you're a tack driver with it, you'll have no problems
How I carry depends on how I'm dressed. My paddle holster for my wheel gun tends to make my speedo sag when I'm on the water so I use an ankle rig that matches my flip-flops
. Tn doesn't specify open or concealed and we are a don't ask, don't tell state so whatever makes you most comfortable.