First, the fact is that I have been pocket carrying for decades, from mouseguns to J frames, sometimes K frames, and even compact and not so compact 9mms - depending on the pants. Jeans, dress pants, cargo pants, tuxedos, whatever. I'll get to belt carry momentarily.
Here's the tip - at no time in 30+ years of pocket carrying have I ever dropped a naked/unprotected gun into a pants pocket. Before I discovered pocket holsters (don't ask how I missed that) I hid the guns behind folded handkerchiefs and, the big key, a small piece of leather between the gun and the pants. Could be a business card-type wallet or a nice piece of leather made for this purpose (my local cobbler has made me several).
Before pocket holsters the gun rode inside the first fold of the handkerchief (kept it clean and not pressing against my leg) with the bulk of that material behind the leather piece. It ALWAYS looks like a front pocket wallet and even after decades of pocket holsters I still never drop a gun into my hip pocket without the leather piece in front of it.
Normal, non-gun people don't look for guns and normal people see wallets and think wallets and the story ends for them right there.
I rarely walk around with my shirttails out, I don't like the look, but belt carrying handguns underneath vests has been a way of life for me for a very long time, when I don't choose to pocket carry. IWB or OWB, usually the former, all sorts of vests covering the gun. Nobody notices and access to the gun is a breeze. My vests run the gamut of western style, bird hunting style, and everything in between - EXCEPT multi-pocket photographers-type vests because the world once thought they screamed GUN! so I don't do it.
But, speaking of pocket carry, here's another tip for folks who have to wear suits to work. Suit coats and blazers have "chest/breast pockets", usually on both sides. Back before Texas passed concealed carry and even as I worked in offices where guns were forbidden I often carried a mousegun (Beretta 950 BS) in my left breast pocket. In THAT pocket I carried the little gun "nekkid", just dropped in. But the tip is this - I had the original left side pockets removed in all of my coats - I had a tailor do it - and replaced those soft, silky pockets with sturdy denim that I bought in large pieces from a fabric store. The benefits were that the gun didn't wear through the pocket and the coat lining (which it will, and quickly) and the gun was perfectly concealed inside the denim, no printing and very little movement, and VERY easy to reach.
Clean denim didn't cause lint or dirt or anything to get into the gun and a holster would have been an impediment.
So, there you go!