I carry with a Fobus paddle as well. I have a bunch, but my paddles are by far the most comfortable. I like my Fobus because it has a positive retention hold on the gun and it doesn't move around. It's easy to manipulate and stays close to the body. It also can be worn in the car with a seat belt without it bothering you.

I have some inside the pants, but I've always found them to be more uncomfortable than paddles. It also makes it a little more difficult to draw because it likes to snag a lot more.

I've worn mine even without a belt. I like them.