Well, as a right handed shooter if 5:00 doesn't work try 4:30,4:00,3:30,3:00. Most people carry right around 4:00ish who are right handed. You can also try using a Smart Carry system or carrying around the 2:00 area.
Most women here have stated to not carry in the purse. As that is what people target first who are snatch and grab.
Like I said, put the holster in at 5:00 and start moving it around until it is comfortable and tucks well. Obviously a very tight shirt can not be worn to hide a firearm. But you can use a Smart Carry for that. To me that may be your best option. A UCC compression shirt may be an option as well. But I highly doubt any woman would really want to wear it daily.
On top of all of this. A quality holster will help with tucking the gun. A quality belt is also needed to keep from flexing, stretching and keep the holster in place.
This is the smart carry. Tucks the gun right up front.
To keep dragging this post on. Part of your issue may be the guns you own. They just might not be the right firearm for you to conceal. A small J-Frame revolver might be what you need. A keltec or bersa may work as well, but to me those calibers are a bit too small. However, they are tiny weapons and can hide very well. With a small gun you can always pocket carry them which leaves your dress to almost anything as long as it has a pocket.
Good luck, stay safe.