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Welcome to the forum!! I typically carry at about 3:30/4:00 IWB. The OWB holsters stick out too far for summer carry but are easily covered with a light jacket when it gets cold or another cover shirt if you can wear one in the summer. I've been wearing a light short sleeve button down with a at-shirt lately when I carry a full size and just a t-shirt when I carry the sub compact. My biggest obstacle was that I was too concerned with printing in the beginning and would constantly tug at my shirt and look to see if it was sticking out. Truth is, most people aren't looking for a gun. It's never on people's minds. If you go out and watch people's gaze........you'll feel a bit more at ease with carrying which will help you in the long run.