I have found that, for me and IWB carry, there is a little sweet spot right around 3:30 or 4:00 where I can bend over forward with my arms in front of me and just barely print. Further forward and it sticks out too much in the front and on the side. Further back and it prints like crazy with any forward lean.
So far, for warm weather I've been wearing polo shirts for a cover garment untucked over a light t-shirt. They seem to work pretty well. Oh, and I'm carrying an XD9 subcompact. It looks pretty good any other time. I've asked my wife several times if she can tell I'm carrying and she hasn't been able to, except, of course when I bend over to pick up something.
My question is, should I always expect a little printing when bending over and not get too paranoid about it? I've only been at this for a few months and, although I'm much more relaxed than I was at first, I'm still a little bit in the "EVERYBODY CAN SEE IT" stage.