I personally think everyone gives the general public way to much credit,people do not pay attention to you the way you think and their sure not looking at your waist hard enough to detect a gun.And that includes most off duty LEO.If your that worried about it being detected wear a vest,because I can assure that other then other gun people ,nobody has a clue why someone might be wearing it.
Exactly right based on 21 years of carrying.Never had anyone say anything and I've had my share of "shirt riding up on gun" incidents. Steve