+1 on comp-tac minatour IWB. I'm similar in build to your description, I carry a S&W M&P 9 compact. I also cannot carry at work, but have been wearing the IWB holster empty nearly everyday all day and re-arm in the car after work.
I do wear a t-shirt most days now to increase the comfort level, but even with it against the skin it isn't uncomfortable (to me). I ordered a new adjustable cant padlle/belt combo holster from comp-tac at Christmas(kids gave me a gift certificate), should be getting it today or tomorrow.
I'll wear the new holster in the car cross-draw for easier access while driving and will be able to disarm and re-arm faster if wearing a tucked shirt
So far I've invested in 4 holsters since getting my CHL in September all are used for different modes of dress, but the IWB gets the most use and is easily concealed.