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I have a Crossbreed, and have worn it with the clothes you speak of, but somewhere between my build and maybe the size of my pants (not enough extra space?) and my rather large weapon of choice (S&W Sigma), it results in a sizable buldge. It is also difficult for me to get my shirt tucked sharply, the way I want it. I can use it, but feel a little "underconcealed." With an untucked shirt or with any jacket or any kind of cover, it is perfect. With a smaller weapon (most importantly thinner), it might be perfect.

For that clothing route though, I prefer my belly band. It offers excellent concealment even with a full-size weapon. Weapon is not quite as accessible as with the IWB, but overall, it is my choice when in "business casual" mode.