I like my smart carry and I'd say it was worth the price paid. I don't wear it often but I use it occasionally if I have to wear a shirt tucked, or if circumstances require deep concealment.
It's fairly comfortable and if your pants aren't too tight you shouldn't get much of a bulge. I have my best results when wearing a Bersa .380 in it. I would not wear anything without a manual safety on it, at least not with one in the pipe. There's too much time it's pointing at your thigh, or your feet when you walk...or if you go to a restaurant, it's pointing at the person across from you, or if you go to a theater, it's pointed at somebody's back...maybe not an issue for some people, but because of that I insist upon a manual safety for extra comfort.
Bottom line, it's a good product with its own set of applications and I'm glad to have one in the stable.
You will find it more tricky to pee.