If you have decided against carrying the UTL and are still thinking about carrying the USP I would reccomend a crossbreed super tuck. I carry my USP 45 during the fall/winter in Ohio and it conceals extremely well. As others have said, you must "dress accordingly" but it is very doable. Check out their website and as much as I hate to direct anyone to Youtube for advice on anything, there are some reviews of people that carry fullsize USP 45's in super tucks so you can see the end result. (Not bashing Youtube video guys, just saying that it is sometimes difficult to find someone who actually knows what they are talking about. They are out there though you just gotta look for them. I actually found someone who did a review on an HK 45 Tac and he said that the O ring was there to keep moisture/water out...)
Good luck brother!
Good luck brother!