Well, I'm medium framed, 5'11" about 230ish with a gut. I could be a smaller version of you. I have a SmartCarry and use it for sweat pants or when I'm sitting around the house in my pajama pants. I have a Taurus .38 that I've carried at about 12:30 - 1:00 position (just right of my zipper) and found it bearable. My Bersa9 I can't carry that way. I've found the most comfortable position to be in an IWB holster around the 3:00 - 3:30 position. The only problem I have now is sometimes the butt of my 9 will bump on fast food booths when we're out.