I tend to be on the hips below the beer belly range. Walking around/standing is all good and pretty concealed, provided I can find a shirt tall enough for my body, but sitting? Especially with my sedentary lifestyle makes me wonder if I'm making the right fashion choices.
Wherever they feel comfortable because I pocket carry 😎
For aiwb it kinda depends on your body shape, gun size, holster style, and fashion. But it's pretty common to have to design your wardrobe around carrying, e.g. sizing things up, going for stiffer fabric, looser shirts.
That's the reason I went with pocket carry in the end. Still have to start buying pants with bigger pockets tho which is itself annoying.