I carry a FN Hi Power year round in a Comp-Tac C.T.A.C IWB-tuckable holster, using the "V" (velcro) clips, which really aids in concealing the holster as well as the gun. I generally wear polo shirts and T-shirts tucked in (I hate untucked shirts), and I favor darker colors for them, as I think it aids in concealing the butt of the pistol (plus dark colors are slimming! ahem!
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) The Hi Power is a nice flat pistol, and it works out well. I don't wear an undershirt with this because an extra shirt is just too dang hot in the summer, altho I have been thinking of trying out one of those sports/tactical shirts made out of new-fangled sweat-wicking material.
Living here in south Texas, it is HOT with jalapenoes on it, and I fiddled around with pocket carry snubbies, Thunderwear, shoulder rigs, leather IWBs, etc. I found the C.T.A.C to be the best for me. The kydex holds the gun securely, the holster itself is very thin, and it does a pretty good job keeping the sweat off of the pistol, even tho I don't wear an undershirt. It is not the most comfortable holster to wear, (and I am thinking of trying out the new Comp-Tac holster that looks similar to the C.T.A.C but has leather next to the wearer) but I found the C.T.A.C to be the best all around solution for me.
The C.T.A.C can be found here:
http://www.comp-tac.com/catalog/product ... ab9cb7c2a2 (a Texas company, by the way.)
I would not recommend carrying a gun in the cargo pocket of pants like the BDUs. I wore BDUs for 20+ years, and found it very uncomfortable and annoying to have anything heavy in the cargo pockets. Plus the pocket is so big you would need a special holster arrangement to keep the gun from flopping around and turning over. A Kel-Tec might not be too bad, but then you might as well put it in your regular pants pocket or back pocket. Or on a neck chain.
http://www.stellarrigs.com/gun_neckchain_rigs.html This might not be too bad for wearing with light weight shirts.
As a bonus, altho you didn't ask - I have found painter/carpenter-style pants to be very handy to go with my pistol, because the ruler pocket or whatever you call it on the left leg is very handy to put a Hi Power magazine in. I found a large leather sheath for a utility knife to be the right size to hold the mag, and the whole thing slides in to that pocket, just out of sight, but within reach. Not as fast as having a magazine on your belt, but much more concealable, especially for a large magazine like the Hi Power uses.
Good luck with the hunt.
elb