I would think either a CTAC or MTAC by comp-tac or a VMII by milt sparks would probably work for you in the 3:30 position.
I am 200lb., 6'1" and can wear a P220 under a T-shirt and shorts wtih my wilderness tactical 5 stitch in 1 1/2" and the VMII.
I'm guessing it is fairly well concealed as me and the fam went to dinner last night at Luby's and 4 of our local finest came in behind us, and we all went through the buffet line at the same time, and if they were the wiser they didn't let on.
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