Thunderwear with a S&W 3913 (compact 8+1 single-stack double action 9mm alloy with a bobbed hammer and decocker safety, which should be left off).

I disagree with getting a large thunderwear holster for a small gun. Too much of the grip will be swallowed by the holster. Decide on the gun, then tell the thunderwear people what gun you will carry.

I'm 6 feet tall and weigh 180 pounds. A couple of years ago, I only weighed 165. Can't conceal a 1911 and wouldn't want to put a cocked single action in that spot anyway.

If the weather is really hot, and I want to be comfy at the mall, then its baggy shorts, tee shirt worn out, and a J frame Smith tucked into a Andrews Leather pocket holster.
In Miami, its hot and humid almost all year. With the right clothes, you can conceal almost anything. I often wear jeans, or Dockers, a solid color Tee shirt tucked in, and a button up shirt worn out. Even an N frame Smith, or a full size 1911 just dissappears.

Kel-Tec is the way to go. I have both the 32 and the 380. I bought the 32 first and the 380 when they first came out. I went to Kel-Tec's site and bought the belt clips for both.

I wear a tee shirt and tee pants most days for work. I have found that the clip allows me to put the gun behind my right hip bone. That position doesn't print and will allow a quick draw. The 380 may not be the bigggest or the best, but it weighs 7.1 ounces empty.

RULE NUMBER ONE OF GUNFIGHTING: Have a gun.

The light weight Kel-Tec's (I have the 9 mm version, also with a belt clip) are great for everyday carry. They also offer a neck lanyard.