Stupid CCW question: small of back?

When I CCW I prefer my low-profile belt-loop holster right up against my right kidney. It's out of sigh if my jacket is open but not precisely on my back/spine so the draw is no sweat.

Problem: it always, always, always catches my shirt, jacket, etc and isn't really concealed. I haven't got a jacket the right length, I guess. And with a sweatshirt, I'd figure it would print a lot and/or hurt my draw a lot. It's easier to get another holster than another jacket, I think.

What would you do? I think a small of the back holster may work, but it sounds like an easy way to get carpal tunnel unless I'm not envisioning my draw right. I have long arms, FWIW.

Thanks all.