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As a shorts and tee shirt guy too, I tote my Glock 19 in a OWB pack: Specifically a belt carry, zippered, black leather, rectangular shaped pack - NOT a fanny pack. It does not have the typical architecture of a fanny pack at all. It looks rather like a case for binoculars. So far, in over five plus years of using this carry method, no one has ever asked me what it's for nor have I gotten any curious looks...No one seems to notice it.

Certainly, one of the criticisms of this carry method is it's a slower process in accessing one's pistol. To help speed this up, I've added a small black plastic ball (approximately 1/2 the size of a golf ball) to the zipper grip. Without having to look - simply grab the ball and unzip - it's really very easy to find the ball by hand and it makes unzipping very quick.

So no cover garment is necessary and you remain cool and unfettered.