I can't stress enough how much it varies from one person to another. What works for one person can be completely wrong for another. There are far too may variables to say what will work for someone else. We can only comment on what works for us.
I'm of average height, not overweight but do have a bit of a spare tire with broad shoulders and fairly narrow hips.
I have never liked pocket carry as it just doesn't work for me. I can carry IWB, but with my build OWB conceals just as well and is more comfortable. I carry the gun OWB just behind the strong side hip bone at roughly the 3:30-4:00 position. In warm weather I wear slightly oversized, untucked shirts or T-shirts. I can and have effectively carried and concealed up to a 4" N-frame revolver. More often than not, I'm carrying a Colt Commander.
This is what works for me. I can't say if it will work for you.
About all you can do is take the information provided in this thread and make your best guess. And you'll still probably end up with a box full of holsters just like the rest of us.