If you get a simple, low-profile OWB kydex it would tuck under most shirts/jackets etc. I think it would suit your needs. I've debated keeping my Level 2 OWB...because it's modular to fit any belt and would be better for serious out-doors stuff (if you ever ride horses, or motorcycles etc.).
I'm a bit torn. I think for you though, a low profile OWB would be perfect. Something like this:
^Close to the body, can be mostly covered by a t-shirt or jacket. Not overt and scary to most people. Depends on what the gun culture up there is like. It's only Level 1 retention so I don't think I'd wear it openly in crowds etc. You can always get a couple holsters.