I believe a there is a combination of three things to consider when selecting a holster. Concealability, comfort and accessibility. The more you get from one the less you get from the other two. A belt holster is very comfortable and easily accessible but not as concealable as others. An ankle holster is somewhat comfortable, very concealable, but harder to access.
It is mho that the IWB holster is the best balance of these three areas.
Comfort is relative. You get used to mild discomfort and deal with it. Itís the price we pay to be armed. Fashion is the second thing to go when armed. This isnít just for fat guys, it most guys (one of the reasons mike went to an ankle holster. Do you believe he wore designer jeans to Gunsite?).
I am not going to be PC. I am a FAT guy. I carry a gun a lot. Here is some Fat guy advice.
Fat guys come in two variants, fluffy and firm. I am fluffy (I prefer this term to squishy). Your comfort and concealability are going to be affected by this.
As a fat guy, our waists often are wider than our shoulders thus limiting the amount of ďdrape: we get from our covering garment. As a fluffy guy, this isnít a big deal for me, and I can carry a full size pistol in a low mounted IWB (USA, SkyOps) and wear a t-shirt. If you are a firm guy, you might as well go with one that is higher on the waistband (NSAII, Summer Comfort) and adjust your covering garment.
I refuse to let the weather dictate what Gun I will carry. I do not believe in ďsummer gunsĒ. The weather does however help me to decide on my wardrobe, and my wardrobe does help decide my holster choice.
I donít see the need for sweat guards. I wear a t-shirt (under a t-shirt on occasion) every day. I live in Phoenix AZ. My gun is going to get sweaty; I am going to have to wipe it down. Its maintenance.
"Patriotism is supporting your country all the time, and your government when it deserves it." -Mark Twain