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I enjoy my Split Decision. I do not use the tuck feature much. I can conceal the gun well but to me it looks like I have a tumor growing out of my side. It may or may not be noticeable to others but I feel like a freak with it tucked in. I just use the Smartcarry when I have to be tucked.
As far as, gun retaining I believe it has a tensioning screw to tightened the grip some. I have not had to use that feature as it fit my gun perfectly as sent.
I am satisfied with the SD as a IWB and I do not see myself buying another one anytime soon. But I can see how for many it will view the SD as a stepping stone holster.
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