The hip grip is a good solution as most of the gun is below the waistband. You wouldn't need to go up one size in your tops either. If you were down here we could do a holster roundup and you could try the hip grip, and different holsters on.
Here's a shoulder holster to consider, ken null's MODEL USH, USH-X.
http://www.klnullholsters.com/" onclick="window.open(this.href);return false;
Rusty Sherrick makes some womens holsters also.
http://www.c-rusty.com/pages/holsters/Ladies.html" onclick="window.open(this.href);return false;
He has a lot of pics as well for high ride & canted holsters.
Some appendix holsters are vertical ride & some are reverse cant. The reverse cant allows the holster to sit in the hip crease, so that it doesn't dig into your hip.