My wife searched high and low for a holster that does not require a belt. Many months passed without said object appearing. Smart Carry, BB and the like had no appeal. At the risk of pulling this off topics (my apologies in advance), she settled on a Sam Andrews Monarch Rig.
Here's a pic of same:
There are more pics and comments here too:
Sam Andrews Monarch Shoulder Rig: Review with Pics
Good luck, and if you find said grail, please post a review!