I can't use OWB for general carry because I don't have/wear cover garments that hang down far enough. The general rule for cover garments is that they should extend 6" below the lowest visible part of the gun/holster. That margin allows you to move around, bend down, sit down, reach up, etc. without exposing the gun/holster.
I've done OWB for short trips out of the house, but I don't wear my shirts long enough to make it work for all-day, general carry.
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