I agree with AJ- Don't waste money on things that look like fishing vests and really wild/out there stuff. I get pants at Salvation Army, Goodwill, Wal-Mart, and Target. They all need to be one size larger, or like eaccents said, make a fist. I bought some cheap sport coats at Target and JC Penny, and Old Navy. I can wear solid-color t-shirts with them. I can wear casual or dressy button-down shirts with them. I also got some cheap Hawai'ian-style shirts ("Aloha" shirts is what they are called)for summer weather. The Aloha shirts I got at Wal-Mart are subtle colors like steel blue, pewter gray, maroon, light green, etc. Every one of them has palm trees stitched into them that are barely one shade of color different than the shirt itself so that they are not 'tacky'-looking. For cooler months I get out the sports coats and longer-length jackets. People always ask me 'Why sport coats?' My answer in that I look professional and have gotten people interested in hiring me simply because I look more professional.
For holsters, I use my Crossbreed and Kholsters almost exclusively. I prefer the kholster because the leather piece is huge and protects my ribs from being rubbed raw by the grip of the gun. The back piece of the Crossbreed isn't big enough to protect my ribs. The kholster also has a wider range of angle adjustments.
There is a blog about shoulder holsters and others about which holsters are best, etc
Long story made short- shoulder holsters are bad. Waist packs have their place, but learn how to draw your gun safely with them. Same with crossdraw holsters. Those all have one fatal flaw (no pun intended): When you present the gun, make sure you know what is behind and next to you. Horizontal holsters all point the gun at everyone behind you, meaning everyone in the checkout lane at the store, at your own children in the back seat of your car, etc.
Another issue I see with all of these: When you draw the gun, raise the elbow of your off-side arm above your shoulder- this is called a 'chicken wing' and (hopefully) prevents you from shooting out your own brachial artery. For those who don't know what that is, the brachial artery is on the inside of your arm, from the armpit down to the elbow. If you get hit there, you will bleed out very quickly and yes, probably die.
The underwear holsters (no offense) have their place, but I'm not wild about having a gun pointing at my twins, or at my femoral artery (inside your thigh/groin area).
I'm not even sure what else to say other than to write my own book...LOL. Hope this helps...