Lately I have been carrying my 686PC in a Simply Rugged OWB Pancake Holster. Which I am doing today and just took this pic for you. I live in Florida and I just wear a short sleeve button up shirt over my tank top which covers it up perfectly!
This holster just came to me a couple of weeks ago for free with a 386PD I bought on Gunbroker and I love it. It rides nice and tight to my waist and side. Not top heavy, the gun is positioned just perfectly. It also has a second slot if you want to set it up for crossdraw carry, which I have never done. I think this is pretty much the perfect OWB rig for the 2.5" 686. It probably is great for longer barreled models as well, just don't have one
My main carry rig, however, is a Tucker Gun Leather IWB Texas Heritage and Tucker Gun Leather Carry Belt. Pictured with my 386 Night Guard, but carries my 686PC 2.5" as well. My 386NG, 386NG and my 686PC guns are exactly the same dimensions with 2.5" barrels.
I have tried many IWB rigs and this is hands down my favorite!
For my full review of this holster go here on this forum:
Praise For Tucker Gun Leather