It's very difficult to find a single holster to fit all of your needs. I have three for my XD, two for both my XD and my Steyr, and need to get at least one more for my Steyr to fit all my needs.
You could, though, wear a light shirt that is a bit too big if you'd like to cover a hip holster. It's not ideal, but it's something. I would recommend at least one IWB and at least one hip holster, so that you can use the IWB for concealment and the hip holster for OC. But that may not be the best option for you.
You can also get one of those ambidextrous IWB holsters--the clip will allow them to be worn outside the waist band, too. Not ideal, but something.