Well, i suspose just about any gun can be carried concealed if one wants to put the effort and expense into it-----even a desert eagle.
My biggest problem i guess is that i don't worry about the fashion police so to speak nowadays. Over the years, suffering under the left-handed curse, i have gone thru numerous holsters as i suffered a very serious gun trading adiction in my early years.
It sure can get expensive after a while, be it changes in wardrobe, belts, holsters, guns...........and it tends to create a pile of holsters left unused in the closet and a row of clothing that just does not work for carry. So, for better or worse, i've noticed a glaring trend over the years in myself. And that trend is pocket carry with 38's. Seems that it does not matter if i dressed for church or dressed for fishing, i got a pocket and don't have to worry about shirt tails and flashing all the time. The 38's have become an extension of myself and standard practice. If they are not in the pocket, then i kind of feel that a part of me is missing.
An airweight 38.....for me is ideal. I accept its advantages and limitations. It's not for everybody. If you are willing to dedicate yourself to one paticular carry gun, get the appropriate leather and dress accordingly, then your problems in all likelyhood would disappear. The biggest problem for a lot of folks is getting accustomed to carrying the weapon concealed. Starting out, it will feel like you have a brick bulging from the holster and you feel like you are telegraphing to anyone and everyone that you are packing by the bulge and the "print". You further telegraph by constantly adjusting, checking, and tugging at the weapon. You are going to have to.......for lack of a better term...force yourself to accept the carry weapon untill it becomes part of you and you feel natural with it. If, over time, you just can't adjust to it, then there is a problem with the gun/holster/wardrobe selection. But by all means, give it a chance and some time before you jump on the trade bandwagon. Heck, wear the rig around the house, mowing the grass, just whatever to get accustomed to it.
I took a shortcut with pocket carry. which means i'm either smart, stupid, or somewhere in between. I'd rather think of it as being poor, practical, and doing the best with what i got......guns, holsters, clothing.....and needs.
Either way, best of luck to you and your choices whatever they may be. A lot of us have been there/done that. What works for one may not work for another. The important thing is----do it. I know things are tight right now and a different gun may be out of the question. Just look at your clothing on hand and make a deciision if it would work. Cloths are expensive as well. A fanny pack is an attractive short cut and a lot cheaper than an entire wardrobe change. After-all, concealed is concealed....and practical for the use and the budget. Over time, changes can be made but it will get you started with the beretta couger---and a lot of other guns as a generic concealed carry system.
By the way, you will still feel like telegraphing and might be uncomfortable with the fanny pack.......give it time, it will work.