I have arrived at a 3" Model 60-10 357 OWB under a shirt tail all year long, after a few years of different styles of weapons and holsters and methods of dress by season. I carry everywhere except the shower, in PJ's, and in the CAT scanner (yes once I had a chest X-ray while carrying.) In summer I wear a summer weight shirt tail, in winter a couple of layers of heavier shirt tail and long jacket or overcoat. I also practice grabbing all that layering out of the way and drawing.

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Marty 4513TSW 13-1 642 60-10