This will be my first summer with CC. I have an M&P 9 FS that has now been relegated to home defense. My carry gun is a Shield 40. IWB is very comfortable this time of the year when wearing it against a T-shirt with an outer jacket - but I am beginning to think about deep summer, when I only want to wear ONE very thin cotton T shirt and lightweight shorts. There simply is no way I'd ever wear two shirts. Also, I don't like wearing belts with summer shorts. Even though the Shield is relatively small, it still weighs enough that I feel it will drag my shorts down without a really snug belt.

So -- my first question is: If I am to still use an IWB holster (maybe with jeans with a belt), how comfortable are IWB holsters against bare, clammy skin?

Or, should I seriously be thinking about a smaller carry gun (BG or a small wheel gun) for pocket carry?