Mike's completely right that we can all give you our experiences, but eventually you're going to need to try things yourself.
Since you asked specifically about appendix position, there are plenty of guys here are countering
Colion Noir's argument that appendix is [only] for skinny people. It really is about what's comfortable for you though. Since everyone's giving their vitals, I'm about 6'3" and dropped from 210 to 185 in the last year (hooray inactivity!) I usually appendix carry a 9mm Shield in whatever inexpensive kydex holster came with it from the previous owner, because it's easy. And, as Paul Harrell says, program compliance is key.
I've also occasionally carried my G19 in a
CompTac Infidel, though I found adding a
claw to really fell like the butt's under control. I'm looking forward to trying out the
Tier 1 Axis Elite that's on the way. A couple years ago,
NSR donated an Appendix rig to the GOAL fashion show for a 1911 that was amazing, but somebody else got to take it home. That said, I've always been happy to carry my 19911 in a
BladeTech Nano everywhere from Appendix to 5 o'clock position. In all cases, I use a Hank's leather belt because a stiff belt is a critical part of the equation.
So far as cover garments, dark colors and patterns are the easiest ways to conceal printing. Most of my shirts are black tees or button downs, worn untucked, with a hoodie or flannel if it's cooler out. If you're not goth like me, I hear this is why God made
Hawaiian shirts?
Seriously though, nobody's looking at your waist most of the time, it's not that big of a deal.
LOL, NES studs over 40 look like Grizzly Adams on a bender. Under 40 look like Best Buy Geek Squad. Convince me I'm wrong.
Only think I can add is if OP want to try full size IWB, you have to have pants and belt slightly oversize to accommodate. OWB much easier to do, you just have to have something to cover it as others have mentioned- hoodie, jacket, vest (extra points if matching your chaps), or Cosby sweater.
I resemble that remark!
But I finally traded the man bun for something shorter and blue; I think of it as urban camo.