For winter carry i would buy this...how about you
These are sweaters, shirts, sweats for wearing in cold climates that allow your weapon to be exposed under your jacket without having to lift the sweater, shirt or sweat top to access your weapon. l
They have an elastic slot on the side that opens and tucks around and behind your holster (assuming you carry on your belt as I do....looks sorta like this picture of a guy in gray slacks and a dark red sweater.
You can throw on a coat and you're good to go......