Today? I'm carrying my Kahr P45 in a UBG IWB holster, in a pair of shorts, no belt. I'd rather be carrying my Kimber Ultra CDP, but the Kahr weighs 18 oz vice the Kimber's 24 oz. (Note: with a belt, I can do the Kimber)
During the heat of summer? I'll probably revert to my Kahr PM9. Fourteen ounces and 6+1 of 9mm +p+ is hard to beat.
When winter returns? I love my N-frames, when I can conceal them. Require a real belt, and a cover garment (sweatshirt/jacket).
Bottom line...there is no one answer. Lots of variables, lots of choices. Of course, you could carry an LCP/P3AT year round (some do). If you live in Miami I guess that might be the answer.
Most of us live where the weather changes, and carry accordingly.