I hear what you're saying. I stop counting elk in my yard at 30 because I get bored. That's my daily reality. As an office worker I would definitely go with the specialty holster to limit the visible clip. For my body shape (6'1"/185) I can AIWB fairly well. When I dress up I go cowboy casual, meaning I tuck in my shirt.
Where I disagree with you is for me and others, pocket carry is a non-starter as it prints far more than AIWB tucked.