j-frame in a pocket holster is the trick for me but a comfortable carry is a really personal thing in any weather. You about need to play holster roulette to find a winning combo for your pistol, body-type and carry-needs. I wish there was a better way.
Most discussed for what you describe (after pocket holsters) are probably SmartCarry and Crossbreed Super Tuck holsters, neither of which suit me.
”Is life so dear, or peace so sweet, as to be purchased at the price of chains and slavery? Forbid it, Almighty God! - I know not what course others may take; but as for me, give me liberty or give me death!”