A good IWB holster like the MTAC, a good belt like one from the Beltman, a solid color T shirt, tucked, with a button up plaid or patterned shirt, unbuttoned and untucked, over it. Depending on the temperature, the outer shirt can be either long sleeves or short sleeves.
As for pocket carry in any kind of pants, get a pocket holster. It holds the gun in the upright position, covers the trigger, and prevents the bouncing around that people complained about. Concealed carry is not hard, it just takes a little thought and planning.
Ill be the first to admit i skimped a bit on ccw accessories,but i did buy decent stuff.It just isn't top of the line.
Anyhow i do have a decent belt,but not made from beltman.
I have good decently built brand named holsters like Kholster,Desantis,Galco...
and i always have a holster for every gun.
Now in saying that,once i get settled into a Main gun and bug system that is the only 2 guns i carry.Then i will buy the high end holsters.
My goal is a 5 gun ccw collection to have a gun for every need and clothing option,and also to find out what i like best to carry and where i carry it.Owning 1 carry gun doesnt give you many options.
I do find black tshirts hide very well,while white sux.
Im also not able to buy purpose made clothing due too cost and far as i know i may not even like that stye of carry.So what i do is modify my clothing and accessories as needed.
Ive made and installed a canted kydex clip on a Galco holster.
Ive made a full kydex IWB holster for my 1911,which could be used to torture terrorist its so uncomfy.I just made my own vest pocket mag holster.And just tonight i added an attachment point for that mag holster in a jacket without a vest pocket which i had to reinforce so it hung naturally.
Concealed carry is not hard, it just takes a little thought and planning.
If thats true then im covered,as i put almost too much thought into it and over plan also.When you have a low income fixed budget you better be creative or go without alot of things.