Do you have a CCW? If not get one and you do not have to ask this question. I sometimes carry the same way because of work clothing. I have been asked if I am LEO before going into Wal-Mart, Walgreens and Taco Johns. IWB, black polo shirt, and brown slacks.

I have always been under the assumption that it has to be CLEARLY visible. Using a holster that was designed for CCW to OC without a permit might be hard to argue.