I wear a SERPA most all the time in AZ now. I have an MTAC that one can easly carry all day with but in the heat, the SERPA is more comfortable. for hidding, I do not worry about it too much. a t-shirt to cover if I am going in someplace. Vstar 1100. center mass safe in the saddle bag locked to the frame.
forgot. XD40SC with 12 round mag and a backup 12Rnd.