Comfort is a big factor. Still trying to find a conceal holster I like, that fits well and I can wear all day.
As far as concealment, it is pretty easy. Unless they carry, most people won't give you 2nd look, much less think you are carrying.
Loose shirt/jacket hanging over will hide almost ANY weapon in on your waist, inside or out.
Relax and enjoy the walk. It's just another day at the store.