Answers to questions
Price range: I'm thinking used, up to maybe $600, I'll go up to $750 if I need to, but prefer not to.
Clothing: Summertime, primarily as I said, Polo or button up shirt and dockers/jeans. Wintertime, similar, plus maybe a sweater.
Holster: Agreed, I suspect this is as important as the weapon for concealment.
Since this is for SD, most important is reliabilty, second concealability. Thanks for your replies.