I'm a big fan of "dress around the gun". Loose, long shirts work good.
As far as holster, pancakes will give great concealability as they hug close to your body. They just aren't that comfortable for me. I prefer the Bianchi 5BHL for my 4" guns. I also just bought a Galco silhouette hi ride for my 627 UDR although it will fit any length barrel.
Bianchi 5BHL
Galco silhouette
