OK, how do you carry your Kimber ultras concealed?

[johnhunter44]

If you carry your kimber ultra concealed, how do you carry it? Cocked and Locked or hammer down, with no round chambered? If cocked and locked, do you use a holster that has a thumb break to, sort-of, come between the hammer and firing pin? (i.e. thumb break scabbard?) Just curious as how many carry this fine weapon...