I carry in a shoulder holster. I don't always have a belt but my shoulders go with me everywhere I go.
My usual non-work attire is a t-shirt as Walkingstick described - solid color, plain, pocket T from Walmart with an untucked, 10 dollar, Walmart or other similarly priced western-cut, snap front, short-sleeve, shirt over it. I can usually wear the outer shirt completely unsnapped but I can easily snap it in circumstances where I need to be more reliably discrete. I can also unsnap it quickly and easily if required.
I hear coworkers talking about finding deals on pants for $65 to $150 a pair. I have never paid over $30 for a pair of pants - with one exception; I did buy one pair for about $65 ten years ago from itailor.com. Found it to be not really any better than the at-the-time 20 dollar pants I was buying and never ordered any more.
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