well, i've never carried 5", as i don't personally own a 5". However, that being said, i have effectively carried a 4" in a couple of different ways. First, is the "Dirty Harry" method, vertical shoulder under a jacket or a loose over shirt. Being from Florida....i wouldn't suggest this one for ya. What has probably worked the best in my experience is, using an otw style yaqi-type slide holster. What i do, is position the holster directly over my right back pocket, such that when the firearm is in position, the barrel slides into by back pocket. Realize, that there is some potential for your rig to be spotted if you wear a button up shirt with decent tails, untucked you should be alright. Granted, i also carried in this method in an open carry state, so if i would have become exposed, it would not have been much of an issue. Hope this helps some!