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I forgot about this thread.

I posted this in one of the waiting room threads, but I think it does a good job of showing that with a good holster and a belt that keeps your gun snugged up against you, you don't need to wear clown-sized shirts to keep your gun covered. With a t-shirt you just have to be careful of bending over forwards to far because the fabric is kind of thin and the grip will print a bit.

Everyone recommends wearing extra long shirts, but if your gun is showing then your stomach would be showing. I can't remember the last time I was out in public and walking around with my belly hanging out, but maybe it happens.

I am 6'1 and about 180lbs and am in the same situation as you...trying
to figure out a decent way to carry while I'm waiting for my application
to go through.

I got my MTAC in the mail the other day and was not having much luck.
Eventually after a lot of fiddling, I found out a few simple things that
helped immensely.

If you have broad shoulders, you can probably get away with 3:00
carry. If not, you need to move your gun back to around 4:30 or it is
going to look like you have a huge growth on your hip. Stand up straight
and look at how your shirt drapes. You want the grip of your gun to be
in the area of your shirt that isn't touching your body.

I also had an issue because I have long legs and tend to wear my pants
down a little bit from my natural waist. This pushed the butt of the gun
out instead of pulling it in towards my body. Hitch your pants up if you
don't already so that the grip is angling inwards.

The last thing that helped is configuring the MTAC to have a fairly
extreme foward cant. This will help with getting a grip on the gun when
it is further back on your belt, and will also keep the grip in a more
vertical position which will hide better on a slim frame.

I'm a complete noob, so grain of salt to my advice, but it seemed to
help a lot for me. (MTAC + Sig P239)