Pete,That's why all the little KelTek .380 clones came out and the Ruger LCR. I live in FL so the easiest thing to carry is my Keltek P3AT in an IWB holster or in a pocket holster. Best part is, it's so easy to carry I always have it with me.
Hey guys... I actually taped a training video over the last year covering Cold & Hot weather extremes. It is going to be released soon. I like Belly Bands under untucked shirts myself....-RJP
I have had good luck down here in Tejas wearing a full-sized M&P IWB, in shorts, a tucked t-shirt under an untucked, unbuttoned, camp shirt. Also, considering a Zack Concealment Holster sold by Suarez to tuck in the belt. http://www.onesourcetactical.com/zackconcealmentholster.aspx