At the risk of starting a debate for another forum:
For the road riding try a recumbent. The seating position places your elbows over your hip area, I find an un-tucked shirt over a OWB holster works fine. Much easier on your back, hands, neck, shoulders, and of course seat area. Also improves situational awareness by keeping your head up. On some models the seat track makes a handy place to strap your pepper spray, if you like.
(On biking forum's you can see recumbent vs triangular debates that rival 9mm vs .45 debates in the gun world.)
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