There is no case law on this subject to give you a definitive answer. What the state supreme court has ruled is as long as the firearm is worn outside of your shirt for all to see, no one can question yOur right to carry that way. My advice is if you can't afford your cdwl then you certainly can't afford to fight a concealed weapon charge in the courts, so buy a OWB holster with retention, like blackhawk serpa or galco with a thumbbreak. Better to be sure than arrested, and with a galco holster, it rides so close to the body, once you get your cdwl, you will not have a problem concealing. A holster is certainly one piece of vital equipment you don't wanna go cheap on. The new blackhawk leather rigs are very nice as well, I'm starting to like them more than galco for OC.