I am a big guy also. I use Galco shoulder holster’s and a Hawaiian shirt in the summertime. I’ve always liked Hawaiian shirts and they do the job well. You don’t have to worry about printing. Because I’m big my pants always seem to be falling down and I have to use suspenders to keep them up lol. I’ve tried in the waist holster’s and they work well but sometimes aren’t comfortable. I’ve never tried wearing a holster outside on my belt
For reference I carry my Beretta 92 or my G23 in the shoulder holsters. I also have a small pancake holster for a Ruger SP 101. As much as I try liking it wheel guns just aren’t my thing but it is small and easy to carry.
Yep not a fan of IWB holsters either and I have the same problem with pants. I have a beer gut even though I was never a big beer drinker. That means my pants ride low. I will probably try another pancake as I have always been comfortable with them but may look into a shoulder rig for certain times if for no other reason than it will help keep my pants up.