I carry my Champ every day in South Fl, for now I have a Kramer IWB while waiting for my VMII.

T shirt and jeans or shorts, no problems, tucked right behind the hip my wife can't even see it and she knows I carry, I do have a Beltman belt, which I have found to be one of the smartest choices I have made.
No matter what holster you have if your belt is weak you will have a hard time being comfortable.