I carry a 40Compact daily due to lightweight and just a long shirt buttoned if loose fitting or not if tight over a BlackHawk Serpa I also have a Minotaur IWB that is quite comfortable wearing the same with less problems of printing or wind blowing and such!
This is of course a rhetorical question would you want to have stopping power or conceivability because once you draw your weapon it is no longer concealed now is it?
Someone might notice a bulge on your hip but it could just be a cell phone and your behavior would indicate whether you have a gun or not, so what is your life worth? I am a man of small stature and I want to be able to stop any threat with the least amount of effort except in how to conceal until needed (hopefully never) any weapon I am carrying and have been doing so for quite some time.
However I do not look for trouble or go to bars and try not to get into bad places like unfamiliar neighborhoods. Plus I am older and unassuming to meet and certainly not a threat to others. Let's just say I want to live until I can retire in a few years, so you do your thing and I'll do mine unless you doing your thing makes me have to shoot you, and I do shoot quite well!