Fully agree and I carry a few extra pounds that allows the carry piece to morph into my belly fat!Your wife is probably right. 99.5% of people would not notice it unless it was taped to your forehead. 15% wouldn't notice it even if it was. A cop might know what to look for, but you might need to be doing something dumb to get him/her to look.
When I first started to carry, I was sure that everyone could see the gun no matter how hard I tried to conceal it. It took almost a decade for me to become absolutely comfortable with the idea that nobody cares enough to scrutinize the folds of my clothing.
I carry a full to mid-size pistol (P226 or P229) OWB under a jacket in the winter or an untucked shirt in the summer. Nobody notices.