i always carry iwb.
usually untucked shirt but if i have to tuck it in then i can, i got the minituck crossbreed that works well for either.

you have to practice a few times to get the tuck just right with the holster, but once it's right it's perfect. all they can see are the clips and they are the same color as my belt so it doesnt stand out.

i wouldnt OWB carry in concealed situations mainly due to my body shape will not allow that, it'll look like i have something on my hip under my shirt on that side if i did try it.