And the caveat to cover garments is that they generally aren't the typical tight styling which comes just past the belt line. Therefore, the chances of getting made are about the same. Guys wearing loose fitting jacket's and shirts down to their knees aren't common in western society. The 6" guideline becomes a fashion faux pas.
It's not a easy situation. Exactly what pushed holster makers into IWB, a further escalation in carry to hide more of the gun higher on the body. The offsetting disadvantage is a bigger waistline in fitted pants like denims, cargos, etc.
Some have moved to the adjustable waistline slack, but that's not an option for others. So, if IWB is chosen, you are prompted to keep carrying just to take the slack out. That may not be what the user wants or needs, it tends to limit their options. Semi unintended consequences.
There's no easy answer if the user intends to get the firearm quickly into play. That brings up a lot of other issues, like the actual odds of that, confrontational awareness, etc. Hence the use of off body carry, too.
We tend to copy the style used by the most appreciated role group, but if they are duty gun carriers, it can tilt the playing field with their different set of assumptions. They don't get arrested for inadvertently flashing a gun, they get promoted for judicious display arresting a perp. Our role models in concealed carry may not be our best choices. Therefore, what is marketed to them for duty carry may not even be suitable for concealed carry in a civilian world.
An HVAC repairman or auto parts counterman would be forced into deep carry methods in order to prevent alarming their primary customers, or a corporate ban on carry at all. Plus the work requirements in lifting, crawling, etc make it difficult, too. A copier repairman will get short shrift showing up with an exposed shoulder holster in a bank administrative area. What works in a suit coat sometimes won't work with just a thin white poplin shirt. And yet leaving the customer's downtown location after dark isn't all that safe.
What some can get away with is another's critical loss of job for another. Sometimes the bar is a lot higher. The Secret Service might get away with carrying an Uzi in a shoulder holster walking a parade route, for others, it would be a call out and throw down. Lots of women don't have the capability to conceal a Flashbang holster, others are amply endowed.
There's no one answer or rules drawing a line in the sand. You do whatever it takes to make it work, and that takes resourcefulness and imagination. Not the conservative mindset that forces conformity.
