Couldn't agree with you more, alex.
Carrying concealed is simply a matter of how committed you are to carrying at all times. A little resourcefulness, a change of wardrobe, and adaptation make it work. The CZ 97 is not too big to carry/conceal.
As an LEO, state law REQUIRES that I carry concealed off duty, though this is sometimes ignored by the less-than-tactical minded.
While off duty, I am on my own, my dispatcher has no idea where I am or what I'm doing, I have no radio, no back up, and my only tactical advantage is that the bad guys don't know who I am or that I am armed.
These caveats apply to the armed citizen as well.