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I think that the most important thing is to carefully pick the garment that covers the holster. I am retired so I wear jeans and T shirts most of the time. A extra long T shirt fitted full, not tight covers just fine, for a holster that holds the pistol in close. Gander Mountain has Tall sizes for short sleeve T shirts. CABELA'S sells a heavy cotton knit shirt (Henley type) also available in short sleeve Tall. For dress up, I wear a silk T shirt under a sport coat. The T shirt is pulled down over the gun & holster. Yes, no more ties! I am a big fan of fishing shirts. Pockets for everything you need in life (cell phone, glucose tablets, nitro tablets, a few aspirin, etc.).

My normal holster for my Kimber Ultra is a Galco Jak Slide. I don't want any fancy engraving to draw attention. Without a gun in it it looks more like a cell phone holder than a holster. Perfect for the place where the gun can not be carried inside. I have a Galco Yaqui slide also but it carries the gun farther out from the body. That holster is not for the short Kimber Ultra. The gun does not ride close to the body and "flops" around. I do use the Yaqui size for a full size 1911 & strangely enough for a BDA .380. The holster is okay in the winter under heavier sweaters but not under a light cotton T shirt. I have a FOBUS paddle but very seldom use it. It holds the Ultra close, but the paddle shifts as it's worn. I always have the JAK slide on my belt 24/7.

To carry a spare magazine I use a Wilderness nylon-velcro holder. I use to wear a IWB leather magazine carrier. I have a little gut, the magazine must have rode up out of the carrier and one fell out. We were at Disney world at a restaurant. The lights were low, so I was able to scoop it up without any fuss. I gave those two carriers away. Why we were there someone was mugged in a Disney world parking lot.

For military try the nylon belt for BDU''s. It's almost as good as a Wilderness belt, but at a fraction of the price. I carry a Kimber Ultra Eclipse (all stainless) and it carries the weight just fine. The price is so low that it makes sense to replace it when it starts to sag.

Wilderness also makes a holster/bag unit called a Safepacker. It is padded nylon with a buckle/velcro cover. Various sizes are available. I have one sized for my Ultra and a larger size for my full size Kimber. A larger size is available for long slide 1911's. I use these as gun cases when we run the roads in our motor home. Each bag will hold 1 handgun and 4 additional magazines. It can be hand carried and looks more like a handbag than a gun case. It has belt loops on the back. It is handy to throw one in the car, and still maintain concealed carry.