It takes a while to get used to carrying concealed. No one will notice that you are carrying as long as you use a good holster, clothes that are a bit loose, and don't telegraph that you are carrying. Some people that carry, especially those that are new at it, tend to "check" to make sure that the gun is still there and concealed. Doing that draws attention to the fact that you are concealing something. Be conscious of that and try to avoid it.
Finding a comfortable holster that conceals well is a hit or miss proposition. That's why so many of us have stacks of slightly used holsters for sale.
Yes, always carry with a chambered round. I'd recommend carrying with the safety off, too.
This seriously is one of the hardest parts to carrying concealed. It took me a while to start getting past being paranoid. I still do get paranoid sometimes and want to check but i try not to.