Shorts and a tee work fine for me. Something not mentioned is body type. I’m tall and not to heavy so a tee shirt will hang off my body as long as buy a loose fitting shirt. A round shaped body has more difficulty keeping clothing loose or away from the body. The gun prints through. Additionally where you carry the gun makes a difference. I like a kidney carry, other people like the small of the back. The Miami shoulder rig looks good to me as well but I don’t have one. This requires a button down shirt of course.