I regularly carry with nothing more than a T-shirt. You have to be aware of how you bend, etc., but it's hardly difficult to have it disappear. This a full-size 1911.
Here's some food for thought on the subject:
When I was younger, about 13 years ago now, I bought myself a gigantic red, green, and blue parrot. 36 inches from head to tailfeather. Y'know, because I always wanted a big, colorful, talking parrot, and now I have one (still do, fun pet). Early on, I thought it would be fun to have her riding on my shoulder as I walked through town, just to see the reactions I would get.
You know what I got? Something like 9 out of 10 people didn't even see it. I was watching for reactions, since that was the whole point, and there were people who noticed and didn't say anthing, but most people just didn't even see.
My takeaway from this was that other people just aren't that in to you. If they didn't notice a gigantic multicolored parrot on my shoulder, what do you think the chances of them making your carry piece? Pretty slim.