I'd venture to say south Texas is more uncomfortable in late summer than even Florida, but it's probably a close race. I've been to west Palm Beach late summer a week after Andrew hit south of Miami. It wasn't as bad as I'm used to at that time, but I was only there a week. But, carry problems are similar and, yeah, I prefer pocket to IWB in this heat.
My own battery of carry guns includes one small .380 (it's an old Grendel P12) that I can carry everywhere in a back pocket with a good wallet holster. I'm considering a P3AT because it's smaller and more accurate (probably) and has a better trigger than the Grendel, but the Grendel carries 12 rounds. Anyway, that's my bottom line when all else fails to work for me.
My Kel Tec P11 is my primary, what I carry every day, and I have a .38 Taurus M85UL I carry occasionally around here, especially when I'm doing something outdoors. My P11 sees most of my carry. I have to chose my jeans and pants for this gun for pocket size because it's no P3AT. But, with the right pocket, it hides well. I have a Law Concealment Systems gun pouch for the P11 or M85UL that works as a pocket holster OR IWB, a rather unique little chunk of leather. The gun just looks like a large wallet in the pocket if it's even noticed. Either the little subcompact 9 or the revolver carry well and comfortably IWB in it, also and hide under just a long T shirt.
I occasionally carry my .45 caliber Ruger P90 IWB in a Milt Sparks summer special if I'm going to the big city, going shopping there, traveling somewhere where I think the threat level might justify it. I've found that the Sparks rig can hide even a big, chunky gun like the P90 under a T and a vest (not in summer, thanks) or a baggy Hawaiian style shirt which would not look out of place in south Florida. It is part of my battery, but I don't carry that gun much due to weight and inconvenience and low threat level of my small town environment. I really don't foresee the need for more than my little pocket nine, but I shoot that P90 really well and have a lot of confidence in it. I usually carry my P11 as back up when I have the P90, two spare .45 mags, one spare 10 round 9mm mag, ain't much I ain't ready for on the street when so armed, or at least that's my opinion.
I prefer not to rely on a 1 gun battery. I have a few guns I can carry depending on the dress code of the day. That's how I approach it, and heck, I like having lots of options and a good gun collection.
I've got other guns I could carry and other guns I have carried, but I see these four as my main carry battery.
If I were you, starting out, first gun I'd obtain is a P3AT in .380. That one will ride anywhere in any pocket. Get a decent pocket holster for it and a spare mag or two. Then, I'd get a PF9 Kel Tec, new and just released, thinner than the P11, a little better trigger, accurate, and thinner in the pocket. Then, I'd look for the big gun for big gun IWB duties. It could be a .357 revolver, but most likely I'd look into a lighter .45 or .40 or 9mm high cap. There are tons of choices that I like. I'd love to have a little single stack Smith and Wesson 3913 9mm, would be a lot easier to carry than my Rugers. Or, the Taurus .45ACP millennium pro whatever the number is sounds like a nice gun that should carry well. There's Kahrs, Sigs, CZs, all sorts of compact IWB big gun choices. I just happen to have this Ruger P90 that I really, really like, flawless functioning, deadly accurate, and a fantastic DA trigger and it points natural and fills my hand perfectly, so that's what I've settled on in IWB big guns for now. I don't see anything taking its place anytime soon. The P97 is a more compact, lighter, plastic frame version of the P90, but I really don't have the hots for one. The P345 is thinner, but I don't like a few of the "features" of that gun and the P97 is just as easy to carry IWB IMHO.
I'm neither a 1911 type guy or a single action auto type guy, so those are totally ruled out of my carry battery. I also am not a "safe action" guy so Glocks are not considered, only DAO or true DA/SA. That's an individual thing with me, my preference.
