I have a USP 40 fs and if SE means "Southeast", then I live there too. The holster that I have and highly recommend is Blade-Tech's Concealex SOB. The USP is a true full-sized weapon, but the style of this type carry really helps conceal that bulge. I've been able to carry it with just a T-shirt tucked in front and out in the back and whennlater asking friends if they could tell, they replied that they had no idea I had even brought it with me. Any untucked shirt (if you're able to wear two layers, i.e., undershirt and outer-, it works even better by pulling the undershirt over the holster, though not in any way inhibiting easy access, and having the outershirt over both) will work if its tails are regular length. Jackets, blazers, etc., of course go without saying.
http://www.blade-tech.com
John Coleman