donno why i didnt think of this earlier...
I'm 5'9 115 lb female and carry (or will be carrying once i get my cpl) a kimber aegis (3" 1911) about 5 oclock IWB.
I can conceal it fine with some kind of loose unbuttoned shirt thing or a jacket of course but i noticed that just a tshirt wont quite do it if i need to bend down for whatever reason (although is fine if im just upright walking around). Well I just noticed how nicely my "purse" bag thing covers it up! (over the shoulder type) . i can bend over completely with zero probs and get to my purse when standing up without it interfering.