I agree with the tank suggestions and employ that on a regular basis. That being said, I don't always prefer it. For instance, when I conceal IWB w/shirt tuck. It's quite annoying to try and keep the inner shirt in place, get the holster positioning right, tuck the outer shirt, pull some slack, etc. The the inner shirt ALWAYS rides up.
Unlike others, I find leather on my hip quite abrasive. I appreciate the replies and will look into moleskin/fleece.
Thanks!