Have you seen the bra holsters? I can't locate a picture online, but they are plastic, molded to one's particular piece, and sewn onto one's personal, mailed-in undergarment at the front middle. Called the 'Bosom Buddy' they were introduced to me in the March/April issue of this magazine:
I really need to renew that subscription.
Also found a proponent of your theory - "The well dressed woman accommodates her gun," - in this article: "A Woman's Primer on Defensive Firearms Use."
The bra holster sounds like a gimmick but I loved the article. I didn't think about women's nails or jewelry.
My son was the one who started the research on this and we went to Gunsite together. There was a short statured lady there that had a lot of trouble with her holster until they rigged her up with a thigh holster. Again, it was a waste of her time but she learned enough from the class that she could rig something later.
Don't forget an important point. Do your best to keep the same arrangement at all times. It won't help to fumble for a gun in a shoulder holster only to discover that it's in the purse or on the belt. Try to keep your gun in the same position under all circumstances.
As far as women's hands are concerned, a lot of guns have a "melted" look to them so the sharp edges are taken off. The person who invented that idea should be shot. The only areas that should be de-horned are the places that give the shooter trouble like the bells and whistles. There's not reason to take a beautiful new gun and turn it into something that looks like a relic that was sandblasted.