I've been carrying nearly four years. It took me a while to find the holster that just felt fight. I still do the shirt tug. Whenever exiting a vehicle, standing after being seated, after reaching for something in a store, etc. One little hint I've found. If needing to tie a shoe, or get something from a lower shelf. kneeling is much less likely to expose your handgun than bending over.
One more thing, most gun owners have a bag/box of holsters.
I've carried various full sized guns up to 4 1/2"(Glock 22) and 4 3/4"(CZ75B) barrels with this. Conceal with a button up shirt, 1 size up.
http://bianchi-intl....p?TxtModelID=82
Holds tight to your body, also retention. I have three of these for various guns. It's OWB and they also have a paddle version.
http://bianchi-intl....p?TxtModelID=83
And a thumbsnap version
http://bianchi-intl....TxtModelID=7506