I’m talking about not wearing socks at all and I’ve learned that it goes according to minhag hamakom and in NY minhag hamakom is to wear something covering the leg…
I really know very little about this.
But, I am skeptical that a place like NY could possibly have a minhag hamakom.
It would seem to me that if this is a very hard thing for you, that maybe you should find out if you can be meikel.