Ok, I see that you live in Florida, and lots of old people with high water pants live there too. But just because the indigenous folks there have high water pants on, doesn't mean that you have to as well. Buy some longer pants. (in jest)
If you spend a lot of time sitting, the ankle is a great way to go, but IWB is by far faster in my experience. I have a Galco IWB for my Kahr and I love it. Once you find a good position for it, it'll be fine. I found that some minute changes in position can make it a lot more comfortable when sitting. I just push the butt of the gun forward a little once I get sat down and it reduces the pressure caused by the slide. Once you stand up, it's just small matter of adjusting your gun discretely and going about your business.
PS. As for the P32, no experience, sorry.