Unless it's just way too hot, I use a BDU type shirt over a t-shirt, and carry a full size 1911 or other full frame gun in a Sparks over the belt 55BN. Mine is a straight drop, and I wear it on the weak side as a cross draw (I am left handed). Makes vehicle access easy, and I can move it slightly forward or back for access or better concealment. There used to be a lot of negativity for crossdraw when I was a cop, but now that I am not daily worrying about close contact/arrest/snatches, etc, it is not a hassle. A tad slower than strong side carry, the benefits mentioned above (particularly access when in a vehicle), is more than worth it. Also, I find it more comfortable, and easier to make sure that nothing is draping improperly (exposing the gun). Also easier to draw with either hand.