Hey, I live in Tallahassee and I know what you are saying.
Try what I do and it might save you some money.
Use your current Mtac as an OWB holster. Instead of tucking it inside your waistband simply run your belt through the two clips and stap it down OWB. The belt will be on the outside of the kydex slide portion and give retention.
If you have a good sturdy gun belt, as I do, it will be very secure and comfortable.