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I workout at 24 as well and usually lock my primary carry firearm in the car before exiting. I dont want to scare any people and have to deal with the police by trying to remove my carry weapon while changing in a busy locker room. Instead, I have a dedicated firearm in my gym bag at all times. Once im done changing, i just carry the gym bag with me to my workout. If you go this route, try to pick the smallest bag as possible so the bag doesnt become a tripping hazard to other patrons and store the bag out of the way when you are at a particular machine, bench, etc. Obviously this will only work if you have another firearm that can fill this particular role.

Another option, is to wrap a towel around you (around your belly) like you are about to change to go to the swimming pool/hot tub (if your gym has one) and just remove the holster with the gun inside and cover it up with the towel. No one will wonder what you are doing because it is a common sight in a locker room. Once that is done, change your clothes and enjoy your workout.

Lastly, if you kind find a big enough towel, drape it over your shoulders like a cape. If it is long and wide enough to essentially go past your waist and around it, it can create a "cover". Then you can position yourself between the open space and a locker and remove the holster. I imagine choosing a corner locker would be ideal. In this scenario, you would be facing the locker. Then you unclip the holster, slide it around your torso while still in the waistband. Once the holster is in an appendix carry spot, pull it straight up and hold it close to your chest. Pull the towel over your shoulder and wrap around the holster. I just thought of this idea so it might take some practice at home to see if you can make it work. The two towel options really depend on the setup of the locker room at your gym. Im not sure if all 24 gyms are setup the same as ive only gone to the same one for years.