For weather that generally makes me want to have coverage below the belt-line* I take my garments to a tailor and have a slit cut and appropriately hemmed, making it possible for my holster to stick out (or the garment to fit around the holster if you prefer looking at it that way). Look at the "duty slot" on outerwear for cops.
http://www.galls.com/uniformstyle?assort=general_catalog&style=JA924&friendlyurl= Look at the slit cut in the rights side - even has a zipper to close it up when you do not need the holster peeking through.
For the occassional cooler spell and a garment that might cover the holster, I do a tuck job that puts the holster side of the garment above and inside the holster while still allowing me an unrestricted draw. I also do that with Hawaiian shirts - just grab a handful on the holster side, lift and tuck behind the holster. Most times it ends up going inside the waistband/belt there to keep it out of the way of the holster.
stay safe.
* A lot of my cooler/cold weather outerwear stops at the belt line just so I can OC without worrinng about what to do with possible excess length. Thinking ahead keeps the wardrobe in line with the desire to OC.
stay safe.