I carry (when I'm not in MD) just forward of 3 o'clock. About 2:45 or so. IWB. Even my G20 is sufficiently concealed under just a T. Quality holsters and belts play a bigger part in concealment than the size of the gun.

Also, too many people sacrifice shootability for a gun that truly disappears. It really only needs to be invisible to a casual inspection as 99.9% of the population is oblivious. The other .1% tends to be fellow carriers, not cops or criminals.