OK, true confession time: I've had a CPL and been carrying for 36 years now. Although I like a nice strong side IWB holster, I long ago settled for a "deep concealment" carry that works for me. In the late 70's a gunsmith showed me how he carried inside his shirt. Not fast, but well concealed.
For me, and only for me because all bodies differ physically: inside shirt but outside undershirt, behind left hipbone, butt forward. This with a 1911, either full length or Commander sized. I wear a good sized belt (custom made Beltster from Bandera Gunleather, holding my 30 year old Bowen Survivor buckle and having two seldom-used holsters of its own) quite snug, often with radio holder and other burdens on the belt.
For me, this works, is stable and secure, but I will not recommend it to anyone else. And yes, you do have to watch cleanliness and dust bunnies. It's not quick to access (I am right handed), and I'd rather carry strong side in a nice IWB, but it works for me when deep concealment is the primary consideration.
One of these days I'll spend the money for Dave Workman's tuckable "Undershirt," or even Mitch Rosen's copy-with-permission, the "Workman." (I know Dave and he's in my state, so D&D Gunleather would be my first choice.) Times are changing and the odds of needing it in a hurry are increasing. But for now... this has worked for me for a long time.