Hi,
I'm 5'9" tall, and TWICE the man I was in High School (weight-wise). Thus, I'm quite familiar with the challenges of a fat-tazzz like myself toting a handgun, CCW-wise.
A heavy gun will pull the ol' pants down, so ya gotta go light.
A fat gun will bulge too much, so ya gotta go thin
A full holster will also add too much bulk, so ya gotta go minimal.
A BUG will not be reliable enough, so ya gotta go with a big, fat, slow bullet.
An IWB will be terrible to try to wear with one's ample belly in the way, so OWB is the way to go.
MY SOLUTION + PHOTOS
A 3' officer's sized 1911 auto with an aluminum frame in .45ACP, with a melt-down package and night sights . . . in a Bianchi 105 "Minimallist" holster. This holster is fairly cheap ($40) but it holds the gun well, doesn't add much bulk, and pulls the grip tight against the body with a cinched up belt.
My gun is a first generation Kimber Ultra CDP that goes bang every time and is super-accurate too. I feel quite well armed.
I wear it slightly BEHIND the hip bone so that the gun will not protrude to my side, thus the barrel tucks in and points at my wallet (I'm a lefty), and the gun also tucks into the small of the back above my fat-tazzzzz . . . virtually disappearing under an unbuttoned shirt with the tail out.
Most importantly, for those of us with protruding stomachs, the gun tucks into the small of the back and the snugged gun actually HELPS keeping the belt up if you get it far enough back like I wear it!
Heck, it is even comfortable enough this way to wear while driving . . . and the draw is still fast enough!
Here's a montage of photos . . . heck, I never tell my wife if I'm packing and she never notices it, nor do my friends. That's what is supposed to happen with CCW too!