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Likewise, I recently received a Minotaur IWB from Comp-Tac for my S&W M&P9 (full size). Very nice holster, and I find that I can also conceal the whole setup pretty effectively via mostly the same techniques and clothing options that you describe. What I'm finding to the be the biggest problem is the weight. Even though the M&P is a polymer gun its still so heavy that it puts enough downward pull on my pants that it becomes something of a hassle when walking. I might have to start wearing suspenders. On the other hand, maybe I just need a smaller, ligher carry piece, making this is a good candidate for the "best reasons to buy a gun" thread.