I'm gonna recommend a Kydex holster if you live where its warm and sweat alot. The Kydex keeps the gun dry and is easier on you if it gets next to your bare skin. The leather will get wet and stay wet,(rough out is the worst at this) and your gun will suffer. The leather grabs your skin and some of the acids from the tanning(I'm assuming here) are irritating, at least to me, and its very uncomfortable. I always wear a tee shirt, as its a lot more comfortable, any season. It also stays open for reholstering(so do most of the good leather ones) and is "click" adjustable for tention. The IWB is the most concealable, especially at your 4 o'clock. Once your used to it, and it can take a little while for your body to adjust, you wont even know its there. Still need a good belt though. I use Blade Tech holsters. The one I have on gets used daily, and has held up well. I'm done with leather, at least for IWB.