Hi KY, and kudos to your GF for getting her CCW permit....Most of the time, I carry my pistol in a shoulder holster....Mine is made by Ross leather and it is for horizontal carry...I find this method to be the most accomodating with my different types of attire.......If I am riding my motorcycle, I have a fanny pack with a built in holster that I use.....FWIW, I NEVER carry off body.....I hope this helps....
Here is a link to The Cornered Cat....there is a lot of useful information for women, written by a woman...there is a section that explains the different types of holsters and how they apply to women...Good luck to your gf......
http://www.corneredcat.com/
"We cannot solve problems by using the same kind of thinking we used when we created them." Albert Einstein