Living in Central Texas, I believe I spontaneously burst into fire if I wore a vest outside of waddle and shoot, and frankly a primarily screen shotgun vest during early summer. Full summer we don't wear vests, as again, we don't want to die.
I will note, through what laughably passes as winter here I will wear lined shotgun vest and blue jean shirt under it. The pockets are lined and I am happy when walking the 1-3 dogs we have at any given time.
Yep, the light weight Magellan or similar shirts was my OWB coverage outfit. The vest might be worn to the match and then thrown in the back of the car. In 'winter' - haha - a fleece vest might serve.
Here, my -40 deg parka kind of precludes getting to a belt in 'real time'. Thus a pocket gun in the numerous parka pockets is the go to. The semi might be somewhere under the winter gear. However, my Eddie Bauer EverTherm Down Jacket works pretty well for average cold days and with a thick shirt, leaving it open is possible. You can even hoist it up with the other hand if need be.
Cloud Yeller of the Boomer Age
Just came across these from Cinch.... Not sure how I feel about a CC pocket. Never tried to draw from one... but... Looks nice and "local", not "gun".
https://cinchjeans.com/store/pc/mens...carry-c193.htm
"No free man shall ever be debarred the use of arms." - Thomas Jefferson, Virginia Constitution, Draft 1, 1776