For the Summer I have purchased a new concealed carry accessory. I don't recall the name (sort of like the Belly Band) but it is a very comfortable, soft band that goes around the mid section and allows carry under the shirt...like a nice Hawaiian style shirt. Loose fitting works best. It allows quick access and also allows straight 'up' draw or cross draw.
The thing I have found is that for CC, having options is the key. No one solution will fit all scenarios.
I’ve tried belly bands and thunderwear. They are an option, but not a comfortable one. Comfort is extremely important for CCW because if it isn’t comfortable, you start coming up with excuses to not bother carrying. And since needing your concealed weapon is a once or twice in a lifetime event, its easy to convince yourself that it isn’t worth the trouble.
My best solution for the larger gun is a zippered day planner with built-in holster or a messenger bag with some books and a sewn-in holster. Bible covers are especially useful because no one wants to talk to a guy who is carrying a bible around. He might be looking for an excuse to talk! LOL.