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Lately I've been playing around with some new and old holsters and, as my midsection widens with age and lack of exercise, I notice that the big solid leather loops on my Galco Royal Guard actually print through my untucked shirt - not that this would be any sort of CCW law infringment, but it is quite noticeable through some shirts and might draw unwanted attention. The solid and so-far reliable steel clip on my High Noon Split Decision (a tuckable IWB which I often carry untucked as well) does not print as much, and also is inconspicuous when carried tucked.

But my #1 reason for preferring a clip to a set of loops is clips are easier to use if you find yourself needing to remove your gun and then put it back on (i.e. walking into a CCW-free zone of some kind). Of course, you can just remove your gun and leave your holster in place. But I have found occasions when I wanted/needed to remove both and getting the IWB holster with loops back in place can be challenging in a car - much easier with a clip.

I do agree the loops are stronger and more reliable retention, but so far I have never had a good quality clip "fail" on me, so the loops may be overkill. Of course, if you have a wimpy plastic clip or an old torn up metal clip, your results may vary.