Hoi,
Sounds like you and I are similar in build. I typically carry IWB, either appendix on the right or just behind my right hip at about 4o'clock. With both I draw with palm facing body. I have this holster right now.
![Image](http://img840.imageshack.us/img840/2262/jbp2.png)
You may find that you DO have to adjust your jeans/pants to better accomodate your weapon. It has been my experience that Super low jeans will NOT work with anything other than a teeny-weeny gun. I am looking myself at other holster options because this one allows the muzzle to poke me when I sit. Here are the ones I am considering...
![Image](http://img841.imageshack.us/img841/4448/iwbappendix.png)
This Desantis one puts more of the gun below the waistband, I like this because it shows less. Also, there is material between me and the gun, which otherwise rubs on my skin.
![Image](http://img829.imageshack.us/img829/5764/desantisia.png)
This one is also a more deeply concealed IWB holster. I would also rethink the tunic top. It may conceal better, but make it harder to get to. I find that a top that hits me right at the groin area is plenty long enough to conceal, but not get in the way. I also frequently carry wearing just jeans and a t shirt one size bigger. With a good holster, you wont see a gun shaped bulge. It could be a cell phone, pager,etc. Who knows? And if anyone is nosey enough to ask, tell them it is a colostomy bag! LOL