I'm 5'5", maybe about 230, and wear 42" Duluthflex jeans/pants/shorts. I have a substantial gut, but relatively athletic below said gut.
I drive a desk at work now, and spent at least the previous 20 years driving a patrol car. Last 5.5 years have been 12 hour shifts.
No, but I have enough butt that my belt doesn't slip past it.
There is something to be said for perspective. I'm used to wearing a police gun belt, with a whole lot of crap on it. In my desk job now, I wear a dress shirt and tie, jeans, and cowboy boots. I use a Magpul Tejas belt to support an all-steel Browning Hi-Power, two reloads, a pair of oversized S&W Universal hinged cuffs, and a cell phone, all OWB. That Magpul belt is that stiff, and is too stiff to wear a gun IWB. On my own time, by choice, if I'm mucking about in public, I'm wearing an all-SS 1911 Commander IWB on my right hip and an all-SS Kahr K9 IWB on my left hip. That's a lot more than most cops are willing to tote around, but...for me...the wilderness belt supports it all without digging into me. I've also acclimated myself to wearing a duty sized sidearm IWB of the past couple of decades. There have been times where a particular gun/holster/position has become downright painful, and I've had to make an adjustment.