your stipulations don't leave a lot of options. there is a negative stereotype for lower back tattoos on women, i don't buy into it but you should know it exists.
i have tatts on my lower back, on the back of my neck, on my forearm, and on the outside of my ankle. all of these can be covered with the right clothing (of course, i live in mississippi so there are pretty hot summers here, but most buildings have enough air-conditioning that i can still look professional if i need to. and none of those areas will stretch if i gain weight.
you could get it on your foot and not wear sandals in the summer, but i will warn you there is not much padding on the feet, so it could be pretty painful.
you could get it on your upper chest, above your boobs, but i imagine that is not a very aesthetic place for a tattoo. hmm... you could get it shrunken to a smaller size and have it inked onto your wrist, and just keep a stock of thick bracelets for when you don't want others to see it.
hope you find something satisfactory for the location.
p.s. i like aggie's idea too.
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