It's hardly what I'd call "painful." I carry OWB in a pancake style holster tucked behind my right hip, and I sometimes forget it's there.
However, "inconvenient" is another story. As I stated in that other thread, "Do you carry All The Time," I sometimes have to go places (the courthouse, the post office, or the social security office) where carrying a gun is illegal. I don't
like having to go to those places, but I sometimes have to, and that's when "inconvenient" enters the picture - I have to take my gun off and lock it in the truck or risk arrest, jail, and the possibility of loosing my legal ability to carry a gun in the first place.
AND, it's not just a matter of leaving my gun home when I have to go to one of those places where carrying it is illegal. We live 30 miles from town (where those places are located)so for "convenience," when I have to go to the danged courthouse to argue over our property taxes, renew my driver's license, or whatever, I figure on running errands (going to the grocery store, drug store, hardware store, etc.) - all places where I can and
do legally carry while I'm in town.
What I usually end up doing is making the places where I can't legally carry the first stop(s) on my list, and I don't even put on my gun until I leave there. Running errands in town is just a little less "inconvenient" for me if I make the place(s) I can't legally carry my first stop(s).