I've got a pm9 and a j frame with a sweet KyTac appendix carry for each. Both work great with just a t shirt. I'm pretty skinny though you you guys with a belly might not like appendix carry. As bad a rap as it gets, the Smartcarry serves it purpose well for deep concealment.
Yep, got me a bit of a belly and AIWB just doesn't work for me. I think I am wanting a PM9 pretty bad though. Does it work in the pocket for you okay? My Scandium 340 is great for carry...but I am liking the PM9 side a bit more every day. Be interested to hear what you have to say about that PM9 vs the 340...