I can help you with the holster.... The
7X Leather chest holster is perfect for your applications. You said you were afraid to buy off the net. The 7X will come with a full inspection garantee. I am sure you will like the system better than any other holster that you can buy, if not...just send it back.
I have carried one for many miles, with a backpack, on a horse, and ATV. It will carry in tee-shirt weather and easily adjusts to fit over you biggest parka for winter carry.
Here is a pic of my personal rig carring a 4" 500S&W.