I've tried, a number of times, to explain how I carry, and never had much luck in persuading anyone that it's as neat a was as I think it is.
And since I've seen other posters showing us pictures of their handiwork, I thought I'd show mine.
My problem was that I work in an environment where both jackets and untucked shirts are unusual. I tried a tuckable IWB, and found it exceedingly difficult to use. What with the weight of the gun on the belt, holding up your pants, trying to get the shirt-tail to fit in the little slot, and then manage to get your pants and belt buckled, I needed about half-a-dozen more hands than I was issued.
So I switched to ThunderWear and SmartCarry. Both worked, neither was really comfortable.
Then I read about Andy Arratoonian's TJM Holster, and gave it a try.
http://www.holsters.org/deepconceal-holster.htm
I really liked the idea, but I didn't much care for the belt, and I thought a kydex holster would be easier to keep clean than leather.
So I bought a K1 from FIST, removed all the mounting hardward, picked up an elastic belt at Target, and stuck on some velcro. I wore that for about six months, then ended up making my own belt from nylon webbing and plastic hardware I got at REI.
I've been wearing this for about three years.
First, the holster:
It's a standard K1, with the end trimmed off. The K1 has a tuckable option and as shipped has an extension at the bottom to provide screw holes for the j-clip attachment. I didn't plan to use this, so I cut off the extra kydex.
Next, the belt:
It's plain nylon webbing and plastic hardware. REI sells the stuff in it's climbing gear section.
Only two things to pay attention to:
1. Velcro has two parts - hooks and loops. Sew the hooks to the narrow webbing. With use, the loops will fray, and it's easier to peal off the piece from the holster than it is to unstich and resew the piece on the webbing.
2. Make sure you fold back and hem the ends of the small piece of webbing. Without that, the webbing can slip through the D-rings, and you'll find your pistol down around your ankle.
Conceptually, you could use this to hold a holster anywhere along the belt line - 11:00, 1:00, 3:00, 5:00. Me, I wear it about 2:00 - just in front of the hip:
It's comfortable, never gets in the way, and with a narrow pistol like the PM9, it doesn't print:
Or, when I'm wearing a jacket, or when open carry is acceptable, I just pull it up to the waistline:
As a system, this has a number of advantages.
1. It completely separates the support of the gun from the support of my pants. I put on my shirt, I put on my gun, I put on my pants. No extra hands necessary. Public restrooms are no problem. I can use a urinal without having to shift things around, I can drop my pants and my pistol is still secure.
2. It's very quick and easy to remove or to replace the gun. I pull the gun up to the IWB position, unzip the velcro, and the gun - still in its holster - is free in my hand, ready to be stored away. To reverse, I pull the thin webbing up to where the velcro is visible, match the velcro up, and slip the holster inside my pants. It's fast, easy, and it's not a suspicious-looking move. I've done it in parking lots full of school teachers, and never had one notice.
3. A tab of velcro will keep the holster secure in a lot of places. In the pocket of your winter overcoat, when getting to your waistband is impossible. In a converted day-planner case, as a discrete off-body carry. If you're stuck with dealing with Ohio's absurd laws on carrying in cars, a bit of velcro on the dash will avoid arguments over whether it's really visible or not.
I'm happy with this method, and while no method is suitable for everyone, I think this is an idea that is worth spreading around.