Being short-waisted this is a common concern for me as well. I didn't have any luck with the Galco or Desantis holsters I tried on.
Take a look at Simply Rugged Holsters, I ordered a Sourdough pancake for my 686+ and had Rob adjust it to ride low and added more cant. Perfect fit, rides exactly where I need it to and hides the 686+ easily under a t-shirt or sweatshirt.
The bonus, it was here in a little over two weeks.
Leather Gun Holster, Concealed carry holster - Simply Rugged, Proudly made in Alaska