Obviously a deciding factor. I would assume, that with your physique, any type of IWB carry would be problematic. By the same token, a 125# individual would probably have a difficult time carrying the PF-9 in a front pocket.I think using the belt clip depends on the physiology of the user. I am overweight. My too-large abdomen pushed my P3AT out onto the tile floor of a relative's home while there for Christmas dinner...