I am just about your size OP...my carry is either one of my 1911s, an H&K 45c, or my G19.
They are all carried IWB in either a Milt Sparks Summer Special II, or a VM2. Or, if I am feeling kydex/know I'm going to be in an area where I might get wet or something, carrying in a Comp-Tac Infidel with belt loops. I wear around usually 4:00.
I also usually carry at least one spare mag, OWB, in a Comp-Tac mag carrier.
They all disappear just fine...loose t-shirt, and usually an overshirt of some kind, untucked and only the bottom few buttons done (actually, usually I only button a couple buttons starting from the 3rd or so button up, depending on the shirt). Just make sure a) your pants are large enough to accommodate the extra width...I usually buy my pants +2 because of this, and b) you have a proper belt to keep it all up. A Wilderness Instructor's Belt is my go-to.
If you don't wear on your waist...you should. Wearing low-cut jeans just makes it uncomfortable and things seem to want to slide down a lot more.
Unless you're doing jumping jacks and/or reaching to the top shelf and your shirts aren't long enough to keep the thing covered, you'll be fine.