When I first became a Police Officer, I carried the same gun on and off duty. A full sized Colt Government Model and two spare mags. Milt Sparks Roadrunner holster, right hip. I used old bdu shirts with the sleeves torn off in the summer.
After discovering I wasn't really getting into that many shoot outs off duty, I started carrying less and less. I've gone through alot of different combinations.
I'm pretty happy now with a Sig P239 DAK in 357 Sig, carried appendix, and an extra mag. A T shirt is all I need to conceal it.
I will still occasionally just carry a 3" S&W 65 in my waistband with a speedloader.
It does get old, after 30 years, of always dressing around a gun. I feel pretty well armed with my choices though.