I live in Texas and walk around in shorts and a t-shirt most of the time. I love my 1911, but it's not a practical carry gun, so the J-frame snubby goes into the shorts pocket and off I go. Also I occasionally carry my wife's Bursa 380 if I fell like I need the extra ammo and/or a spare clip. But then again if you knew you were going to need a gun today, you would just stay at home, right.
D