My son is a body builder, I'm an old fat man. We both wear the Tee shirts with the built in holster pockets. We both wear shoulder holsters. We both have leather vest with hidden pockets for guns. I wear a leather motorcycle jacket with hidden pockets for guns. We carry 1911s, Ruger 357 revolvers, I carry a P-85 9mm, Sky carries a Tauris Mallinium 9mm. We both sometimes carry H&R Top Breaks in .38 S&W in our hip pockets, when we are wearing shorts and a light tee shirt or no shirt. The options are limitless.
The wife carries using a purse, shoulder holster, middle of the back holster, or if it's hot and she does not want to wear a blazer, she has been known to slip a small revolver under her, let's just say it's well hidden and easy to get to.