Yes you’ll want a dot in all your guns. Yes you can carry AIWB and conceal just fine.
I would suggest trying before you buy. I have had the RMR type 2, SRO and the Holosun. I have an astigmatisms STIs, and the holosun circle dot gives me the most crisp dot by far, it is almost a perfect dot shape for me, the others were a start burst. The RMR has a comparatively small window, it’s practice I could pick up either as fast as irons in a normal position. In awkward positions I find the holosun easier to pick up, due to the larger window and the circle dot, if part of the circle is in the window you don’t have to hunt the dot if your position is off.
It was hard for me to accept, but the foreign made optic was better for my purposes. Check out the sage dynamics reviews of each optic. The RMR and Holosun are both very tough optics.