Michigan is not technically a "one gun" state, but our law is vague in its wording. Most jurisdictions accept that multiple CCW is Ok, but there are a very few prosecutors, most notably, Wayne County (Detroit) IIRC, that has stated that multiple carry guns will be prosecuted even if they are eventually thrown out of court.
Everybody has a different comfort level regarding their carry. Personally, I carry 95% of the time strong-side OWB. "Full" concealment as you describe it is less than efficient in my mind. If I can not access my CCW is a swift and relatively easy manner, then it might as well be locked in a safe at home. Certainly there are times when a tucked IWB mode of carry is required, but for me those are rare.I frankly don't understand how people can walk around without feeling nervous/uneasy/paranoid when using a OWB, or a IWB (non-tuckable), or a shoulder holster in public! Maybe it's just me…
To me concealed means concealed, not invisible.