Yes! Holes in all my shirts.
I carry my M&P M2.0 9 compact 4 inch barrel appendix every day since May 2020.
At first I thought it was the aggressive grips.
Those will wear on your shirts but do so evenly over a larger area.
But the little holes, I've found the problem is the rear slide cocking serrations which although they are shallow are sharp and eventually wear little holes in the exact same spot.
This IS absolutely the problem.
Well dang if I didn't prove myself wrong on this one.
Turns out I have the same problem with a SIG P365XL in a different Appendix Inside the Waist Band holster.
I also suspected I was wrong when I noticed another fellow AIWB carry acquaintance/person with a Glock that had the same problem with his shirts.
Looks like the problem isn't how sharp or angular the the slide, slide serrations, sights or any other part of the gun is.
But the fact that I hit hard surfaces as I lean against everyday stuff like counter tops, desks etc. which smashes my shirt between two hard surfaces causing holes.
I tested this by putting on a new shirt that had no holes for all of yesterday and half of the day.. and was amazed to find only a day and a half later I already have two holes in my shirt that where not there before.
So to prevent this, don't lean up against or hit hard surfaces when you have any hard surfaces of your firearm or holster just behind your shirt.
Another way to prevent it would be to tuck your shirt between your holstered firearm and your body instead of in front of it while you are ok with you gun being exposed, then cover it again when you need to.