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A cover garment needs to hang down a minimum of 6 inches below the LOWEST portion of the gun that would be exposed without the cover garment in place to allow the user to perform normal activities (sitting/bending/reaching/carrying) without exposing the gun.
For an OWB holster, that's 6" below the bottom of the holster. For IWB, it's 6" below the bottom of the belt loop.
With a typical OWB (Outside the WaistBand) holster and a fairly compact pistol, the cover garment will need to hang down lower than a typical untucked shirt will reach. If you want to carry OWB and want to conceal during a reasonable range of activities, you'll probably need to shop for something that hangs pretty low to insure concealment.
I typically carry with a normal untucked shirt which provides adequate coverage with an IWB holster during normal activities.
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