My boss did something interesting last year. I work for a uniformed law enforcement agency and have usually come to work in full uniform and armed. He issued button down, black shirt to all officers to wear over our uniform when in transit to and from work. I picked one that is one size larger than what I normally wear and wear a t-shirt underneath. I pack my duty gun or one of my own guns in a pancake holster on my strong side with a mag carrier on the opposite side.
I tried an ASKINS Avenger style of holster, which pulls the grip of my pistol close to the body, but found it uncomfortable unless the holster had a piece of leather going up the body side of the holster to keep the hammer or rear end of the slide from coming in contact with my side.
A scabbard type of holster has also proven comfortable.
Even in Florida weather, it is comfortable. At least, so far.
It has worked out so well, then I have ordered some shirts for myself. I would recommend a dark color and a heavier cut of material in order not to print through.
Oh and check before you leave the bathroom or home in the morning that everything is in place. In Florida, even an accidental display could be considered brandishing.
It works better for me than wearing silly looking pants! LOL!
Jim