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As a general note, I would avoid the Serpa or any duty holster for concealed carrying. Duty holsters are meant for open carrying and quick drawing by the user, so they will intentionally stick out quite a bit from your body. If you want a good OWB holster for concealment, I recommend you get a pancake style holster (as many have suggested here). Leather will give the best comfort with excellent retention under normal circumstances. Kydex will have excellent retention all times, but it's stiff, so it won't be nearly as comfortable.