friesepherd... Holsters are very personal and what works for me will not work for you. Most people have a drawer full of holsters for various guns of past and present. Holsters they thought would work, but didn't. Holsters they wear with certain clothes or weapons and a plethera of other reasons. There is no easy answer to your question.
There are some general things that I will mention.
With holsters, you get what you pay for!
For some reason, there are people who have no problem laying out $1,200 for a carry gun but balk at $80 for a holster. They shell out $19.95 for a cheapo and then complain that it is uncomfortable to wear, their gun falls out, it makes them sweat and etc, etc.
Everything has to be a marriage between the weapon you choose, the type of holster (inside waist band, outside on the belt, paddle, ankle, off body carry, do I get one with a retention strap or not, etc), the type of clothes you wear with the weapon, the level of discomfort you are willing to put up with, and even where you will be carrying on your body. Everything will have a little give and take. You will sacrifice speed of getting the gun in action for more concealabilty or comfort.
I go absolutely crazy with being anal when trying to decide on a holster design or style or when deciding which gun to buy. But then again, my money comes hard earned. I spend countless hours in research and asking questions and trying things out. And the CCW wave has made a real boom in the holster industry. Not so many years ago, there wasn't a whole lot of choices for concealment holsters which in a way, made things easier.
Now, there are some safety considerations to weigh out on the topic of carrying on your body or off body as in a holster purse, one of those custom "day planner" things with hidden holster area and other methods.
It is definitely considered more secure to carry the gun on your person. People who carry off body add a risk of leaving their weapon unattended if they leave their "day planner" on a desk when they step out to use a vending machine.
Off body carry means you have to have an extra level of awareness when using that mode of carry. Beware of purse snatchers when using a purse as your carry method!
Holster materials are to be considered as well. For ages, there was leather and that was it. Leather holsters are great. They add a bit of weight, but a good leather holster can't be beat. Nylon holsters are all over the place. Some of them can be very cheaply made and and are outright junk. But others rival the best of the leather holsters. Price and getting a nylon holster from a reputable manufacturer is the key to getting a good quality one. Relatively new on the scene are holsters made of modern plastics and polymers such as Kydex. Again, personal preference and do they meet your needs are keys to which ones to get. I have holsters of just about every type out there.
Another type which I find especially comfortable and especially in summer time when wearing just shorts and a T-Shirt is the belly band. A 4 inch wide elastic band that has a pockets for gun, spare magazine , handcuffs, money etc and attaches with velcro. Most people wear the belly band, around their stomach... with the waistband of their pants over it. I have found it to be very comfortable wearing it higher on the chest. For a woman, the butt of the gun would be tucked in the area between their armpit and under their breast. I like that position and while I am a male, I have had women with similar statements of comfort there. And very concealable. But again, you sacrifice some speed in getting the gun out in order to have higher degree of concealability and comfort. And again, some brands of belly bands are better than others. Mine has a criss cross strap that is attached in the back and goes over your shoulders and attaches in front which gives more support to the whole rig and is designed to be worn higher up on the chest than around the waist.
As stated earlier, you get what you pay for! A good quality leather, or even nylon or hybrid composite holster that will keep your weapon secure, allow for speedy presentation of the gun when drawn and be comfortable can be upwards of $100-$200. Or some can be found for $75. The holster market is very competitive these days.
Spend some time and go to the Mega Holster Makers Lists in this forum and start looking through the manufacturer's websites and checking out prices, styles and the like. If you have any further questions you can certainly email me or ask others on this forum. I will try to answer any questions once you have some specifics in mind.
You can find the link to the Mega Holster Makers thread here:
http://www.combatcarry.com/vbulletin...ad.php?t=11349
Remember, it's easy to be overwhelmed with the options, so take a break from time to time and put some serious thought into it.
I hope this was helpful. Glad to have you at the forum! Welcome!