TexasCHLforum.com

...most factory IWB holsters ride a bit high in the belt...I've worn IWB for 40 years+ and do something different...whether a leather or nylon soft IWB clip-on holster, I cut the stitching and lay it out flat...pluck the threads and move the clip up on the holster 1-1 1/2"...then sew it back on with carpet thread and a big needle...needlenose pliers help, and re-stitch the holster...
...this lets the butt of the gun sit lower in the belt, which pulls it in closer to my ample body...my shirt doesn't hang on it, and it's every bit as fast to access it...hides much better and is more comfortable, because the butt being pulled in keeps the barrel from gouging my gut...I carry a full-sized .45 that way all of the time...comfortably...and a pocket Tshirt a size larger hides it well (it's a bit longer)...