I hate going untucked. It just feels wrong to me. I hate the gun or holster rubbing on my skin. I carry inside the waist band during summer. I wear a crew neck T shirt tucked in and a button down lightweight shirt untucked. Works great and the extra light weight shirt doesn't bother me in summer. Sometimes I have an ankle holster. Winters I can rock a full sized XDM 45 with reloads in a shoulder holster.