I tried clip draw and did not like it. As far as you not having any issues so far with no holster IWB carry, I hope your luck holds out. If I carry a handgun without a holster, I carry it in my hand. I know several LEOs that will carry IWB no holster when doing drug undercover work. I would not. I try to talk them out of it. I guess they think they have to look the part, I don't know.