I've been using a uncle Mike's size 36 (for snubbies) IWB and it's pretty dang comfortable to be designed for a different gun. It was uber cheap too. I carry it crossdraw and have no issues. I don't even have a "real" belt yet either. Mine is designed to hold up pants, not my M&P. I'm told that the belt makes as much or more difference than the holster.
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