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I'm about 20-30 pounds overweight, but for me, the answer is "none". That's why I carry exclusively OWB, after having initially started out with IWB. I have never been "made" while carrying a 1911 or similar sized gun in a good OWB holster with a T-shirt over the top.

In the rare situations where OWB is not concealed enough for me, I will carry in a pocket or on my ankle, or off body (computer case, etc) before I go with an IWB rig.