I'll stir the pot. I use a High Noon Hidden Ally (tuckable version of the Mr. Softy) and a regular leather belt from a store in the mall and it works great
One caveat though... I appendix carry with this setup and it allows my gun to ride down while sitting. This keeps it from digging into my stomach. I've found that I don't need as much support from my belt when carrying this way.
I don't recommend this setup for carrying at 3:00-6:00 as it requires more support than a regular belt can provide.
Also, before someone tells me that I can't possibly defend myself using a $30 holster and a non-gun belt
I've tried more expensive/custom holsters and they just don't work for me. This is not a matter of cost, but simply what works for me, YMMV.