Don't rule out IWB, though, if you have not tried it. I liked the Comptact C-TAC for my full size HK USP .45 so much that I got one for my XD9 and also for my MP40 (What can I say? I have different "gun day moods"

). I have not found it to be uncomfortable as long as I wear a t-shirt underneath to shield me from the kydex. And, horrors of horrors, I
don't even wear it with a mall ninja wilderness tactical gun belt either!
It is comfortable enough that it is my "around the house" holster too. I just usually take off the outer shirt and leave the t-shirt on. I can even safely answer the door dressed like this if I keep it at the 4 o'clock position and turn slightly as I open the door.
I actually find the C-TAC is more comfortable WITH the gun in it than without for some reason I haven't exactly figured out yet.
Just for reference, I'm a big guy, 6'4", 330 lbs of rock hard computer programmer.
(But I have the reflexes of a cat. Garfield, yes, but a cat nonetheless).