Duty belt and gear didn't bother me too much. Whilst working I had a 36" waist. That allowed for pistol, handcuff case immediately behind holster, radio, ASP or PR-24, and cell phone. Kept extra cuffs on spotlight handle with flexicuffs tucked into B-pillar trim. Carried only a small container of pepper spray and flashlight was in car on an "as needed" basis. (No flaming, please, it was readily accessible and in a charger/holder.)

The key, at least for me, was NOTHING in the lower back area. Quite uncomfortable when sitting; even more uncomfortable if down on your back. Inaccessible, too.

Be safe.