I carry a 4" N-Frame .45acp when not working, or carrying on my creds.
The way I do it is, IWB and a one size larger T-Shirt, dark in color. I use a High Ride Holster. To help with concealment, when I buy a holster I also buy a belt from the same maker so that they fit together properly. I don't buy cheap leather, but rather, buy from custom makers. I also wear my jeans 1"-2" larger in the waist, "Relaxed Fit". This helps with the "comfortable" look.
I hope this helps.
Biker