Let Reality Dictate
When I am in tie and sport coat (not often) I have to pocket carry and LCP if I want a gun on me. The coat would be a great concealer however it never stays on all day and night therefore LCP it is.
Most days OWB G27 or OWB Charter .38
Basically my daily attire has to dictate what I can and cannot carry. As for the whole lounge cloths to pants and a belt thing I always wear my daily work cloths when I leave the house. I don't go to the store wearing sweats or anything of that nature. My Job requires me to be ready to answer a call and go out in a hurry therefore the work cloths are always close at hand.
There is no way the same setup can work for every activity that just wouldn't make any sense.