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I agree, novaman, I had shorts and an untucked shirt last night (and often is the summer) and it does just a well.

I have had a PT145 for a couple of years and use it as my first choice for carry. Like you said, small enough to conceal, 10 in mag and one in the chamber and fairly priced.

I carry it in a Crossbreed Supertuck IWB, dress pants and button down shirt tucked over it.