I lucked out. My husband makes holsters and I am his female test subject, lol. Right now I use one similar to this but in black carbon fiber.

I can wear it clipped to my pants without a belt but I prefer the extra security of a belt. I wear it with dress cloths and a sweater or jacket over it if its cold out. If its hot I just untuck my shirt. It is in the waistband but I also have some OWD that cover just fine with a shirt, but it DOES require a belt.