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I fit your body-description in general.

I can't carry at work where I always wear my shirt tucked-in. Outside work I normally wear a loose shirt, polo shirt or light jacket with either a paddle-holster or a CompTac IWB at 3 o'clock.

Once in a while I wear a Kangaroo-brand shoulder-holster type setup. It is simply a thingie that you wrap around your chest and fasten with velcro. It looks flimsy but it actually works.

Believe me, it will take a number of holsters and setups to go through before you are even vaguely satisfied.

EDIT: I am at work, but I think that my IWB is CrossBreed and my Paddle Holster is CompTac. Sorry.