One very good former friend of mine, who has since passed on, wore a MAC-11 under his coat in an SMZ rig, ten round mag in, twin 30 round mags off side, along with a Colt Gold Cup strong side, and two other BUGs. Seriously. Alcohol killed him, not a bullet from the other side.
Knew a guy in California, (yes, California of almost 30 years ago, mind you!), who carried a Desert Eagle .357 in a vertical shoulder holster, and he was not a big man at all. No worries I could see.
I carried tiny, once even going so far down as to carry a Taurus PT-22, "Squeaker"...but those days are long gone.
Since I got older, I realized nobody gives a hoot what I look like off duty, (no need to impress anyone, married), so I am slob city, baggy over shirt and all.
So nowadays a CZ P-09 in an OWB High Noon Slide Guard is my usual companion, or a CZ SP-01 Phantom in a High Noon Down Under IWB rig. No issues.