I only started carrying in April so I haven't been through this. It went from summer to winter in the last two weeks. Now I wear a fleece over my shirt. And I feel like a jackass tucking it behind my sidearm, since the fleece hangs below that height around the rest of my ass. Not to mention it is difficult to get a grip on the firearm with the cover shirt tucked behind it.
Do I stop OC'ing until spring?