This is the ONLY option for me. The "hidden pocket" design allows the pouch to hang down inside your pants or skirt along the front of your thigh. With a little discrete tug, you flip it outside and have access to your money/documents. I bought this travel pocket years ago in beige (doesn't show through white shorts). I attached a couple of large safety pins to one of the loops to use when I am not wearing a belt. It has no velcro to grab your clothes and get snagged. It is thin without the bulk of flaps and only one tiny zipper along the side. The only garment this does not work perfectly with is a dress/sari. In that instance, I pin it somewhere creative. I have used this in the Middle East, Central and South America, and Asia.

The reasons you don't want the other ones: The neck designs have long straps that show around the neckline, and the pouch is obvious under clothes bunching up around my breasts. The "money belt" design is unattractive and thick around the middle and makes a big suspicious lap bunch when you sit down. The velcro around the leg design sort of works, but traveling in conservative countries as a woman, hiking up your skirt or pants is more likely to attract attention than not. If you are a large woman or a man, or wear only loose, boxy, masculine clothing, you might be content with one of the other designs.