I struggle with the same dilemma as you. I even bought a Ruger LCP last November but sold it because it felt like a toy. I carry a M&P Shield 9mm.
I just sold a S&W 442 that I pocket carried. I am retired so I hibernate in the winter so my biggest chance of needing my weapon is in the warmer weather with walking and yardwork. I recently realized that I would be silly to under gun myself during the times I am most likely to need protection.
I can't wear belts tight because of back problems, so I have resorted to suspenders and pocket carry my Shield in cargo pants or shorts (dress around the gun).
IWB holsters against bare skin are not comfortable. I have tried just slipping a handkerchief in between the gun and skin and that works pretty good.