It really all depends.
There's a nearly infinitely variable matrix of everything from support gear (belt [even suspenders]/holster [and this can even be as specific as hardware, such as DDC clips that allow a lower profile or UItliClips which allows direct-clip to the waistband, to items like the various tuck "wings" (like the RCS Claw) that cantliever grip of the handgun more towards the body of the wearer]) to gear setup (i.e. clocking, cant, depth-of-ride, angling [via "wedges," be it self-added, official accessory, or directly molded-in, such as the Tenicor), to clothing, to the actual physical build of that unique shooter.
In terms of clothing, it's not just how loosely or otherwise oversized any one of us may choose to wear our shirts or pants. The material as well as how it is cut/constructed will conspire to create drastic changes in the final outcome, too. For example, eans with even slight amount of elasticity such as Duluth Ballroom Flex will accommodate hardware differently, than those without, and even seemingly rather mundane considerations such as the placement of belt-loops and the thickness of the material can all greatly affect how one sets up their gear and gear hardware (the belt thickness interface is a biggie, here). Subtle differences such as waist height and how the pants sit on one's hips can also play havoc, particularly if one crosses different clothing genres/styles depending on their life-needs (i.e. jeans to dress-pants, or even "yoga pants" and sweatpants).
Physical build can also cause dramatic differences to play out. A physically fit man or woman with larger chest measurements will typically cause shirts that are not tailored to lay close to the body to "tent" at their waist, and this will obviously play out in an important way where it comes to waistline carry of gear. While too young to legally conceal-carry at 14 years of age, I demonstrated to my daughter - an athletically built rower with a small chest (while my wife is rather generously endowed, my daughter is half Asian, after all!) - just what she could get away with if she decided to conceal carry as an adult, and she was shocked that she was able to *_easily_* conceal my 4.5-inch XDm9, a duty-size weapon, with the X300U WML, in a PHLster Floodlight, AIWB, under but a very, very whispy tank-top.
Towards this end, subtle individual variations in our physical builds - regardless of whether we are athletic, svelte or portly, none of us carry our bones, fat, and muscles in precisely the same way another does, even if the two persons examined happen to both fit one description. This, combined with variability in height and size, also will play out in tremendous differences in the effectiveness of differences of gear and differences in setup. I'm 6' even, a porky 250 lbs. on a medium frame (
https://www.thearmorylife.com/forum/threads/type-of-holster-you-use-for-edc.172/page-2#post-5955 - there's pictures of me with Chris Costa and Robert Vogel in this thread, so you can get a feel for my size/build, and this post has pictures of me with Chris Cerino -
https://www.thearmorylife.com/forum/threads/is-your-shooting-stance-wrong.146/#post-3819). I actually have a very hard time with the PHLSter Floodlight, concealing it in IWB strong-side at my preferred 2:30 clocking. At a class dedicated towards concealed carry last summer, a fellow classmate, about my height but athletically built and trim-waisted (no belly, but no 6-pack, either), easily completely concealed a Roland Special Glock 19, under a rather trim-fitting T-shirt.
The best way to conceal carry is to not be afraid to experiment with different gear and different setup until you find something that works for you and how you want to live (i.e. "dressing around the gun" is an ideal that, for some of us, is actually not feasible due to either workplace regulations or social implications). Vet your gear with either a good training class/instructor or by objectively timing your shot-to-first-hit (and shoot to a scoreable metric, at that) - video, such as that of Coachs Eye's HD/240 fps slow-motion, would be even better. Enlist the help of both your carrying and non-carrying friends to critique your level of true concealment, both static as well as when you're in-motion.