I hate to say it, but if you are going to be serious about full-time carry you are going to have to make some compromises. You can hide a big gun under nothing but a T, but if you are uncomfortable with that the only answer is an over-shirt; if your gun is too heavy for beltless carry, sorry -- you need a belt, like it or not. Only thing else you can do is go down to a teeny gun.

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Pisgah