I go back and forth between a Shield Plus and a 4" M&P 2.0
For the Shield with light clothing, I carry it in a Don Hume H715-M WCS. The holster is a leather IWB clip on. Broken in, it is comfortable for me at 3 o'clock. Usually carry a 10 round mag with a Magguts +3 installed. I've avoided an optic on it so far as for me, it slightly hampers concealability. The other issue is S&W could have done a better job with the optic ready slide and the plates, etc. Some have milling issues where it is not a direct mount and you have to remove 2 studs and lower the remaining 2. Additionally, there could be a slight uneven slope on the milling surface causing zero issues. Both, if needed, can be fixed by Nameless Armament. Even with this issue, I love it. If the grip texture is obnoxious, it can be lightly sanded or put some Talon grip tape on it.
The 4" 2.0 is for cooler weather or going to sketchy areas. I just shoot it better than the Shield. It's not too bad to run IWB.