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I agree with the Hawaiian shirt, but some guys can pull that off. I have a few, but they aren’t bright or multi-colors. They are mostly different shades of the same color with wild patterns that break-up any printing that may occur. So many people wear these that most people won’t give them a second look. I find myself noticing someone that might be carrying only about half the time.

As far as the oversized button shirts go I like to go with denim. I am more of a jeans and boot kind of guy so this works for me. They are a heavier fabric that is less prone to blow up in a wind. Short sleeve or long rolled up.

When I use the fanny pack I’m probably wearing shorts and sandals and an untucked shirt that partially covers the fanny pack. That I even have a fanny pack on is not always easily noticeable.

As most will tell you, it will all boil down to personal preference. Try all you have around the house before the card arrives. I've tried several myself and even a shoulder holster. I have not tried an IWB yet, but am thinking about it because of the good things I've read here. I usually carry OWB at 3-4 o'clock with oversized button shirts and rolled up or short sleeves. Alternate carry is fanny pack.