I like my VM-II, but there is too much going on at the beltline. I like my Comp-Tac CTAC with velcro clips, but I had to modify-by-file a bit. I like my Crossbreed Super Tuck Deluxe with velcro clips, but I had to modify it a bit.
I'm now using the Comp-Tac Minotaur Spartan with velcro clips. Standard clips work well while you're finding the perfect spot to sew the Velcro to the inside of the belt, which hides the clips. It's tuckable. The leather on the inside conforms to your body shape. The well molded Kydex shell fits the gun while held by the hand in a full firing grip. Other shells can be ordered separately. It's inexpensive, and turnaround time is fast.
For OWB I use a Galco Avenger from Kimber. For a quickie, I use a Fobus KM-3 paddle. For sitting I use a Galco Miami Classic II or a Mitch Rosen anti car jacking rig on the belt at 11:00. For the beach (cutoffs w/o T-shirt) I use a Smardcarry medium with the extra passport pocket.
I've carried for 30 years, am an FFL, a KImber Master dealer, a trainer, and have two holster drawers full (the $$ could have gotten me another Ultra CDP with Kimber/CT rosewood lasergrips) darn!