Summer wise, if you wear very loose style T-shirts you can get a good Kydex IWB holster, like a FIST made one, and wear it in the appendix position or even behind the hip with a 686 3 inch (just don't bend over to pick something up as it will print the gun through the t-shirt.)
Here is my Bowie Tactical Glock 26 with a FIST IWB and Surefire E2D defender flashlight a Spyderco knife. Note a Glock 27 is exactly the same size.
Actually your Chiapp Rhino 200DS should work fine for SD. Even with a 2 inch barrel such as Buffalo Bore 158gr LSWHPs get 1000 fps.