Bartholomew, you're exactly right. I have commented elsewhere that unless you're carrying something slightly larger than a Howitzer, it's unlikely that anyone will notice. In today's world, we've become accustomed to folks having all kinds of odd bulges around the waistline (pagers, phones, PDAs, etc.)
rhg, good tip. Women have a whole set of concealment concerns that we men just don't think about. I, for one, would look incredibly silly in hip-huggers, whether I was trying to conceal a pistol or not!
I'm a lawyer, but I'm not your lawyer. If you need some honest-to-goodness legal advice, go buy some.