You should look into a belly band. They allow quite a bit of versatility for various attire, and include extra pockets for spare mags. I have my share of IWB and OWB holsters, but my belly band gets more work than anything else. I wear it right under the wasteline, ala an IWB holster. It makes for a very tight, clutter free, and comfortable carry.
A lot of people should consider these. It's a decent option when all else fails, and we're talking about a $20 total investment.