Need2know, I started carrying a year ago. I'm female, but like many Type II diabetics I have a big belly, so I have to conceal around that just as you do. My best concealed carry method is a belly band just under my bra. I wouldn't want to conceal anything larger than my S&W Model 60 (3" barrel) there, but the belly band works very well for that.
Good luck figuring this out. You've obviously got a real need.
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