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mid-thigh or full-length tight-fitting spandex pants with no belt along with close-fitting shirts.
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That's what SERIOUS bikers wear.
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The tight fit is supposed to lessen wind resistance and make riding fast easier.
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Some of us have no intention of either being serious or going particularly fast on a bicycle. I ride my bike for casual exercise if I ride it at all. Any T shirt will do and loose fitting shorts as well. Spandex is for skinny people going at high speed - neither of those terms will ever be used with my name attached.
Thus, a simple fanny pack belted around my waist that holds my keys, my identification, my phone (this was not a consideration when I bought the fanny pack but times have changed), AND MY GUN, fills the bill. I do have to note that the fanny pack I use was designed for this purpose and the gun sits in an interior "holster" (velcro bands that adjust) in the last "pocket" and there is a cord that protrudes from that pocket. IF I pull the cord the zippers go in opposite directions and VOILA! A very accessible handgun appears. (As discussed above.)
If you can get one like that you will be well served.
What works best for me is a fanny pack; however, the gun is not quickly accessible that way.