I live in Florida, so shorts and a T shirt 95% of the time ...
S&W BodyGuard .380 in a black Talon wallet holster
It is a totally undetectable EDC CCW combo. Even friends and family can't tell if it's a wallet or not when it's in my pocket. Although it's not a .45 or .357 Mag round like I carry in the winter (all of a few days each year), I believe it's still enough to give me a decent chance to defend myself if ever required.
I pray my CCW is like a 2nd spare tire ... never ever required to be used ... but I most certainly would if needed!