My recommendation would depend on whether you are Daisy Duke curvy or Janet Reno curvy, and on the internet it's hard to tell. If it's Janet Reno curvy, buy anything, hide it in a fat roll. If it's Daisy Duke curvy I think you are making a mistake with an IWB. Anything but a KingTuk style IWB is going to be very painful, and the KingTuk style will tend to be very irritating, especially to your ribs when sitting. My statement is based on my daughter's experience down here in Florida. She is 5'2, 105 to 110, and dresses similarly to what you describe. She finally gave up on finding a comfortable waist holster. She bought a carry purse for her main carry pistol and an ankle holster for her BUG.
Another strike against the IWB holster. Based on what you say you wear, when you sit down, your gun will print.
Accidents don't just happen. They must be carelessly planned.