Again, my thanks to everyone for great ideas.
I can see a variety of benefits to the Kimber IWB - although the weight of a full-sized automatic might result in an embarrassing development.
Dr. Mabuse, you make some interesting points. Some other conversations I've had indicate that few (if any) notice the various fanny packs that people wear. I'm thinking of
This Item, since it is large enough for anything (10 x 7 x 4) I would ever need.
It's true that I can't draw quickly; but I'm more inclined to avoid trouble than to confront it - which is, I think, best for unremarkable civilians.
A wise friend suggested that the .45 might be somewhat more than I would need or want on a daily basis, and I suspect they gave good advice. In fact, they suggested that a 9mm might be most appropriate for me. However, my selection of "nines" consists of a Glock and an all-steel S&W 559. I like the S&W a lot, but it is rather heavy.
So I may go with a SIG 239 in .40. It has tritium sites, and I doubt I will need more than the 8 round magazine capacity. It, a spare magazine, and whatever else should fit nicely in the case. Perhaps I could even add a can of pepper spray as a non-lethal alternative.