My outfit is a .44 Special Ruger Blackhawk 4 5/8" carried in a Bob Mernickle PS6-SA holster. Works for me simmer or winter.
I'm with you on this... except my Blackhawk is in 45 Colt carried IWB in a Simply Rugged holster.
No problem concealing with just an untucked T shirt for cover.
A good belt and holster make all the difference IMO.
I'd love to try out a Mernicke at some point. Looks like a very good design.
Just for giggles, I picked up a used Bianchi X-15 shoulder holster for my 7 1/2" Virginian Dragoon. Actually isn't too bad to conceal under an untucked button down shirt for a cover garment.