When I carry using a clipdraw, my shirt tail and shorts are between my bare skin and the gun. If I am wearing an untucked shirt. I wear a good cotton "T" shirt. This is fairly comfortable for extended wear. I only carry SS or Tenifer/Polymer guns in this manner, so rusting is not a problem with a good wipedown once a day. Not a bad idea for holstered guns either! You will have to experiment with carry positions to find the one that works best for you. I do a "touch check" from time to time to confirm the gun's position, and find ways to do it inconspicuously. All concealed carry modes are a compromise, like all of them, there are advantages/disadvantages to one and all. It'll cost about $20 to buy one and find out. Much cheaper than the majority of holsers that we all own that just didn't work out!