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If I am wearing my shirt tucked in, I do not wear an undershirt (unless it is a dress shirt, then always wear one). When I am wearing my shirt tail out, I have to wear an undershirt. For some reason, I am allergic to whatever metals they use to make belt buckles, and if I dont have a shirt of some kind between me and the belt buckle, I get a nasty rash. I do have a little bit of Dunlop disease (belly dun-lopped over my belt), so I'd imagine if I just lost some weight, I wouldnt need the undershirt as a barrier.

All that being said, I buy the wife-beaters in 2x. I wear 1x shirts, but the 1x wife-beaters are not long enough by the time they stretch around my spare tire. The 2x are still tight enough to not be loose, but not so tight that they cut the blood off to my brain. They are designed to be snug, so if you are looking for something that is a bit loose, wife-beaters are not for you.