Well, it feels like any other kydex against the skin (not good). I plan on going to the store and sticking moleskin on the back like I do for my Kydex gear. I just got the clip as I wanted quick on and off. Have practiced a few hundred draws with it and it is secure for me. With a good belt (Wilderness 5 stich) I didn't have any belt sag issues. If I need to change the holster, I can always order the proper loop/strut for this holster. I love modularity.
I also have a Crossbreed Supertuck on order that I will use if I need to tuck or for an M&P compact. I sweat bad and if I plan on being out in the sun, I will use Kydex only as I don't want to ruin anything leather.
If you haven't used Kydex, it is fast to draw from, at least for me.